Strategy to obtain US Amex

[http_x92]

Looks like the HSBC Premier card will now be a good keeper for Visa/Mastercard use in Australia in the long run.

Understood there is the MC FX baked into the purchase each time and also converting AUD to USD from your bank. No problem using the streaming credit though. Still leaves me with $35 of fees remaining...

To keep or not to keep...

 

[blacksultan]

Looks like the HSBC Premier card will now be a good keeper for Visa/Mastercard use in Australia in the long run.

Understood there is the MC FX baked into the purchase each time and also converting AUD to USD from your bank. No problem using the streaming credit though. Still leaves me with $35 of fees remaining...

To keep or not to keep...

Can request annual fee waiver as well .

 

[Triben]

anyone gets this notification to update income in US AMEX?
is it safe to do and will they ask any documents once we update income?

 

[lunne]

anyone gets this notification to update income in US AMEX?
is it safe to do and will they ask any documents once we update income?
View attachment 502309

I'm in the same boat and also keen to hear what the best strategy is.

I've left responding for a few months. The income that I reported when doing the GT for my first (and only) US card back in 2022 is higher than I'd like it to be (many seem to suggest that it's best to use a lower income as a foreigner, say, $80-90k p/a, to not trigger a document check).

Now I don't know - should I state to Amex that my income is the same (high), or lower it to the $80-90k bracket? I'm planning to apply for my 2nd Amex with a new ITIN soon.

 

[big_RED]

How's everyone faired with CapitalOne and all their verification processes?

Was approved. Used a Tello phone number. Can receive OTPs to login. But the CapitalOne team locked my card within 30mins of me activating it and for me to prove my identity their fraud team have to call me back on a US number and they say my Tello number doesn't work for them.

Wondering if anyone else has come up against this? I had a VNumber as well from 0011 Global but they said that number also doesn't work for them. So I'm at a loss for how they can call me back to verify me as I'm in Australia.

 

[_TheTraveller_]

How's everyone faired with CapitalOne and all their verification processes?

Was approved. Used a Tello phone number. Can receive OTPs to login. But the CapitalOne team locked my card within 30mins of me activating it and for me to prove my identity their fraud team have to call me back on a US number and they say my Tello number doesn't work for them.

Wondering if anyone else has come up against this? I had a VNumber as well from 0011 Global but they said that number also doesn't work for them. So I'm at a loss for how they can call me back to verify me as I'm in Australia.

Sorry no tips around it. C1 is super sensitive around verification. I've read somewhere that they do additional checks on the phone number to ensure its a legit number and not from a virtual number provider. I'm guessing it's on a similar vein to having a USA based Sim in your phone in order to setup GPay for their cards.

You might need to just cut your losses.

 

[thedamon]

Does anyone know the answer to this? If you just file a low income, let's say $100 in Vegas winnings, does that put any risk to the cards you've opened given you'd show as such low US income? Any service that can do the filing for you? Would appreciate any experience that can be shared here - definitely don't want the ITIN to expire..

Has anyone done this? I presume yes given this thread has many years on its neck. Would really love advice..