Strategy to obtain US Amex

[nthd_nthd]

Question regarding building Credit.

1. Anyone here is able to build their Credit to above 800 with just Credit Card? And how long did it take you to go beyond 800?

Here in Australia, we have variable of Credits mortgage, car loan, personal loan, phone/utilities v.v. But we are lacking all those in America.

2. Also - How do you access to Freeze / unFreeze Credit 3-bureau. I have not figured out how to access Experian or TransUnion. Up to now, I am still relying on Equifax to check my score/history/Inquiries from all 3 with Very limited access to Experian and TransUnion.

Thanks

 

[blacksultan]

Question regarding building Credit.

1. Anyone here is able to build their Credit to above 800 with just Credit Card? And how long did it take you to go beyond 800?

Here in Australia, we have variable of Credits mortgage, car loan, personal loan, phone/utilities v.v. But we are lacking all those in America.

2. Also - How do you access to Freeze / unFreeze Credit 3-bureau. I have not figured out how to access Experian or TransUnion. Up to now, I am still relying on Equifax to check my score/history/Inquiries from all 3 with Very limited access to Experian and TransUnion.

Thanks

My equifax core credit score is 806 .
Did not do anything consciously .

 

[nthd_nthd]

My equifax core credit score is 806 .
Did not do anything consciously .

How many years after your 1st card till your score go to 800 please?

 

[blacksultan]

How many years after your 1st card till your score go to 800 please?

Can’t remember maybe on the past year . Got my first card in 2020 .

 

[nthd_nthd]

Can’t remember maybe on the past year . Got my first card in 2020 .

Thank you. Appreciate your DP - so that approx. 5 years.

 

[blacksultan]

Thank you. Appreciate your DP - so that approx. 5 years.

Almost 6 now

 

[_TheTraveller_]

Out of curiosity, anyone see any issues with sending Amex US metal cards to Amex AU for disposal? I got an envelop for my AU plat charge.

 

[Tiki]

Out of curiosity, anyone see any issues with sending Amex US metal cards to Amex AU for disposal? I got an envelop for my AU plat charge.

Just destroy it at home.

 

[desafinado74]

Hi everyone,
I am currently in San Francisco, and tried to open a Chase and BofA checking account today.
The Chase experience was disappointing. The banker wasn't very enthusiastic and friendly,
but the worst part was that the American address that i used as a residential address (It shows up as non CRMA in both Smartly and USPS) was rejected by the Chase system, because Chase used to have a branch downstairs ! (It is a tall office building ) I was very disappointed as i really wanted to get into the Chase ecosystem (I guess i am fated not have a relationship with Chase lol)

With regards to Chase, the banker just asked for my passport and a Capital One bank statement for ID verification purposes.

I then had a much better experience with BofA. The banker was more helpful and friendly, and he set up the checking account for me. He also applied for the Atmos credit card on my behalf, and i got approved instantly with a 13k limit (This card is the one with the $95 annual fee)

He also requested my passport and my physical Capital One credit card for ID verification purposes. All up, the appointment took 45 mins.

I gave him my ITIN, American residential address, and also my Tello and Textnow numbers (They both can receive BofA security codes)

Interestingly, the banker put down my Australian address as the residential address, and the American address as the mailing address.

I have attached the banker's business card here (Don' worry, i am not getting commissions from him lol ) So, if anyone of you is visiting San Francisco in the future, and is interested in opening a BofA checking account and credit card, i highly recommend this guy and branch.

I hope my info helps !