Strategy to obtain US Amex

[Grrr]

Is a FICO8 of 694 enough for a first Chase ?
1yr10 month history, most recent is 1yr 4month

I got hard rejected in Feb as I applied over a VPN, which led to them treating the whole thing as identity fraud !

 

[DAC1]

Is a FICO8 of 694 enough for a first Chase ?
1yr10 month history, most recent is 1yr 4month

I got hard rejected in Feb as I applied over a VPN, which led to them treating the whole thing as identity fraud !

Depends on what card. It isn’t all about score and greater than 12 months history is helpful. What other cards and credit limits do you have?

The identity fraud thing is common. I got that too and still got approved.

 

[Grrr]

Depends on what card. It isn’t all about score and greater than 12 months history is helpful. What other cards and credit limits do you have?

I'd like the CSP (particularly with current SUB). Currently have Amex Green, Amex Hilton Honors ($1k limit), C1 Venture (for good credit) $2k

The identity fraud thing is common. I got that too and still got approved.

When I applied for the CSP in February, they refused to recon despite uploading ITIN and passport, as the application was deemed identity theft (I assume because of VPN). I also made the mistake of uploading my C1 statement as proof of address - I learnt here that I should have used my HSBC checking account statement.

I received a hard copy letter from Chase a few weeks later patting themselves on the back for blocking identity theft, and offering links to support services to help avoid future identity theft...

 

[Finale]

I'd like the CSP (particularly with current SUB). Currently have Amex Green, Amex Hilton Honors ($1k limit), C1 Venture (for good credit) $2k


When I applied for the CSP in February, they refused to recon despite uploading ITIN and passport, as the application was deemed identity theft (I assume because of VPN). I also made the mistake of uploading my C1 statement as proof of address - I learnt here that I should have used my HSBC checking account statement.

I received a hard copy letter from Chase a few weeks later patting themselves on the back for blocking identity theft, and offering links to support services to help avoid future identity theft...

P2 was also in the same boat with his first Chase card. For the first app, everything looked fine with 6+ years of history, but Chase still denied him, saying there wasn’t enough history. He had 2 Amex charge cards, which was probably the issue (no limit showing), plus multiple AU cards from my account which Chase might not take into account.

Before the second app, P2 added Aspire (10k) and Venture (30k). After uploading the docs, they said either go to a branch for identity verification or apply again.

P2 will be out of 5/24 next month and will try again, but after adding Citi AA and Surpass, Chase will probably say too many accounts. That’s why I think it just comes down to luck with them.

I heard in the past that Chase liked to see 5k limit with other banks for CSP and possibly 10k for CSR.

 

[Grrr]

heard in the past that Chase liked to see 5k limit

Who’s handing out $5k limits to those of us with under 2y credit history ?!

 

[Finale]

Who’s handing out $5k limits to those of us with under 2y credit history ?!

It’s combined limits across all cards. Weird though maybe things have changed? Amex gave me $10K–$20K on my first few cards too. How much income did you use? I started at around $50K–$60K 10 years ago, and now I’m at about $90K. Tried $120K for P2, and Cap1 gave a whopping $30K lol.

 

[Grrr]

Cap1 gave a whopping $30K lol

They didn't ask for evidence of US income ?

 

[Finale]

They didn't ask for evidence of US income ?

Nope. both of us have never been asked.

 

[Grrr]

Nope. both of us have never been asked.

Definitely luck of the draw then.

 

[DAC1]

heard in the past that Chase liked to see 5k limit with other banks for CSP and possibly 10k for CSR.

This is because that’s the minimum limit for each card.

I applied for CSR with 1 year history. Amex Gold (no limit given charge), HSBC Premier ($12.5k limit) and Amex Aspire ($3.8k limit).

Ended up getting the CSR approved with $20k

 

[Grrr]

I applied for CSR with 1 year history

What did you put down as your income ? And did they ask for any proof ?

 

[DAC1]

What did you put down as your income ? And did they ask for any proof ?

$97.5k and didn’t provide any proof. I’ve always put between $90-100k for income.

 

[metaphase]

Hi guys what is the current cheapest way to transfer money to USA, is wise the best for large sums of 20k plus? I got banned from using that trading platform with the cheap fees a while back so I don't think i can use that without some sort of review.

Personally I've been finding Revolut Premium is pretty decent - cheaper than the other services I looked at. I'm only doing a couple k a month though (plus got Premium for free thanks to some poor CS from them before!)

 

[metaphase]

Who’s handing out $5k limits to those of us with under 2y credit history ?!

Amex gave me way more than that but I guess that's because it was GT and they could see my history elsewhere?