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I think some options discussed were SoFi and calling Tranunion seems to work sometimes

I am relieved I got it right. :) I feel bad that you got it wrong. :( Update on Maza: Maza formats my address as 123 Fake Street "#1234" and won't let me put APT or Suite or any other prefix (instead of 123 Fake Street APT 1234). Should I insist on a change or will this not matter? Quick edit...

Activated and used HSBC Premier US card. Spent a small amount at Colesworth. Pleasantly surprised no attempt to scam me using DCC, no card declined message, worked as you would expect. Manually calculated FX spread at ~0.5% as compared to the rate on Oanda. Assuming another 0.5% fee to transfer...

I may be wrong and am definitely late but I'm quite sure that qantas marketplace codes as airfare still so I THINK you can just buy 4x50USD (so maybe 100 aud) wish gift cards to trigger the hilton aspire credit.

Do you know how self serve checkouts will ask for signatures? What if I don't have a pen on me, etc

More general question, using a US credit card in AU at a self serve checkout - what happens if you spend more than e.g. AU$100 and the machine would normally ask for a pin? Will it just get approved without a pin or will it get declined

One. Only share MS in DMs Two. Make sure the person you are DMing doesn't work for Amex or the ATO

If I had a 20k USD tax bill I wouldn't need SUBs to afford premium travel :(

Do you legitimately have 20k spend or do you have strategies to meet the spend?

You need to call the US premier line. They will tell you the application was declined because you didn't provide some arbitrary documents. Then they will give you instructions on how to provide the documents.

Applied over the phone, have been approved and it is in the app but no card or email saying card on its way I had a look at IBKR and I THINK they charge a minimum of USD2.20 per forex trade? But this is also just their 0.22bp x maximum trade value, so I may be misreading. Doing a quick lookup...

Sorry I need to get used to checking things before I speak - I don't think this is a problem. I think what is happening is that you are ending at LHR, which you haven't "stopovered" at before. You can end a trip at a different city than you started if it has previously been a stopover (e.g. you...

I think currency conversion is always a risk but it can go in your favour as well, maybe you buy something at 65c per AUD but come statement day it is now 68c per AUD, so you basically made 4% or so in the reverse situation. There is a minor credit score benefit to paying the card off as soon...

Just at a glance, it looks like you have a massive surface sector from JFK to SIN which (top of my head, no calculations) may or may not be pushing you over the distance limit. You are also flying HEL-LHR twice which I think might also be a problem. Edit: also SIN is in same zone as HKG so you...

My understanding is that every card takes some type of fee/spread/whatever the technical term is when converting currency. This isn't something nefarious that Amex is doing, Visa/MC/Diners/discover/unionpay/etc all set their own exchange rates that are usually close to, but never exactly on the...

I don't think the premier account has a fee, if you are already HSBC Premier in Australia. A chat agent confirmed this (although I guess you can never be sure what they know), there is point #3(?) in the T and C that says something like "some requirements will be waived based on your status in...

This is kind of the problem though, all the gift cards on qantas marketplace come in suspicious preset quantities. Shut down was used figuratively, no point in spending of all the points are clawed back or the account gets a financial review. Quick thought: maybe points+pay can obfuscate...

The biggest variable is how hard amex may shut down an account that hits qantas loyalty 90% of the time. If they wont, the sums make a lot of sense for me. If HSBC elite had better partners like US cards supposedly all do, it would also make sense for me I think. Guess it may be worth keeping...

So here is the biggest first world problem I've encountered so far. Apologies in advanced for the crazy ride. I took a closer look at the HSBC Elite card and yes, I actually read every word of that entire brochure with all of the terms and conditions. Buried somewhere on Page 9 (or something)...

Up to you if you like AY business seats or not. I wouldnt say it is objectively bad, and tbh I personally prefer it over Apex suites on JL, not to mention their sky skuite 3 which is...just not good. Not sure what plane they fly NRT-HEL. AY catering IMHO is not very good. If that were my...