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yes

glass is half full - you get to use them in US. I have done it 3 times now and not sure from when I have chatted to them that they have actually actioned it - plus US/AU times zone differences etc etc - makes it practically impossible to know the exact day of when it is transferred

its ballpark exactly the standard FX rate and usually 5-7 days - but it might not be todays rate it might be in 3 days times when it goes through - its going to be 0.7 x roughly - big picture - its been a pretty good time from the last few years now to do it

this is the beauty and frustration - P1 and P2 can lead to complete different outcome even with the exact same details

Amex US cant use Foreign income - if get an FR ALWAYS say you are self employed - all they want then is bank statements from 2 banks you pay your amex from and the last 2 statements only. If mention anything other than self employed they may want pay stubs and that will lead to shut down

I got a FR about a year ago - most seem to be related to lots of new credit or a ramp up in spending (or both) Mine was both - got new cards and increased spending to about 3 x previously monthly spend on a short period of time. I don’t think the income is the be all especially to trigger a FR...

seems to be more and more requests for 4506 - sometimes lower income may get around it- make sure paid off all cards when applying and try different cards - you seem to be doing the right things. Try one with a lower income of say 60K or 50K - can't hurt - wait 30 days to let them lapse - pass...

no - itin - equifax online account and then able to get a once a year 3 agencies report

Just got all 3 credit reports of P2 account - had HSBC Elite for 5 months now - reported on 2 of 3 agencies - so may still happen or just not on one you are checking

I wouldnt on first card try - I have just paid for my 2 Chase cards to be shipped over but certainly dont do it on your first HSBC is almost guarantee - everyone who has premier seems to get it

You can mail and they can physically post you a copy of your credit file - only way I know of

my limited experience is nothing is clear to anyone Customer reps probably have no idea why/may not know what ITIN is - with compliance - it just seems so much easier something was triggered - SD account and make the person reapply if they want to. They want zero risk from their POV

Surely the truth - I only recently "moved" to the US

Many banks have cracked down now on mailing centres as addresses - my ITIN had Aust address and SH studio one I needed to get CSR to use bank statement as address not ITIN as address to get me over the line

they will accept the bank statement - lots of DP that is ok both here and on reddit (read the canada US churning if want more DP) The link is a one time use so unfortunately you wont be able to use it again I am certain they will need ITIN - may have to fax to them or post as they usually don't...

Yes I just uploaded bank statement and it was fine

Call Call and ask for a email link to upload passport bank statement and ITIN letter

Amounts between 50-100K are fine - no one is going to verify it - doubt they will use your Aus income/return at all - just convert roughly into US value For residence expense put down any amount you think is reasonable - I am sure between $500 and $2000 a month is fine I have 2 x Chase and...

They just do the usual ID questions ask you what amount you want and then a pop up comes up where you enter your US Amex complete number That’s all very simple

yes via chat is easiest - did it 2 weeks ago - took about a week - currently great time as uses forex rate