Strategy to obtain US Amex

[maverick1]

Finally, I've gotten my checking account open. Just a matter of luck finding an easy going rep.

That's good. Have you been able to deposit money in this account? It seems we need to add an external account for funding the account. But when I click add external it keeps throwing an error.

Post automatically merged: Aug 18, 2023

Do you need anything else other than ITIN (e.g. LLC, EIN) to open up Amex Biz CCs?

Just ITIN is fine. You also need to provide company type, name, business income (projected income also works) etc.

 

[Franko Costa]

I can finally see my FICO score. I opened my first US card back in Feb 2023.

Tha ks for the prompt as I received my first card around the same time and mine is up. 732 and hopefully higher

 

[maverick1]

Tha ks for the prompt as I received my first card around the same time and mine is up. 732 and hopefully higher

Nice. I'm 7"69". I try to keep my credit utilization rate btwn 4 to 7%.

 

[Finale]

That's good. Have you been able to deposit money in this account? It seems we need to add an external account for funding the account. But when I click add external it keeps throwing an error.

You don't need to add an external account to deposit. It is pretty much for getting the money out or you can use Zelle as well. You mentioned Early Warning Service before which is a bit of a worry. I think it is similar to ChexSystems. If the score is low it could be from previous activities like fraud, overdrawn, bounced checks, even some crypto transactions etc. I think you can get a free report and see what the issue is but not sure if it is possible with ITIN. The score can't be that low since they approved the account. A lot of people with low score normally get denied.

 

[Franko Costa]

If those changes to Nova is correct, I better refer my wife for an amex card. Green looks good as it's probably the best ever offer

 

[Daventry]

Eight months later have received again an email from Chase inviting me to apply to their Sapphire Preferred card… Current SUB isn’t great, just 60k. It used to be 80k online and 90k in-branch until last month :-(

 

[Baymax]

That's good. Have you been able to deposit money in this account? It seems we need to add an external account for funding the account. But when I click add external it keeps throwing an error.

Post automatically merged: Aug 18, 2023

Just ITIN is fine. You also need to provide company type, name, business income (projected income also works) etc.

Got the same error. Unable to add an external account. Will try to do the deposit a bit later

 

[_TheTraveller_]

Eight months later have received again an email from Chase inviting me to apply to their Sapphire Preferred card… Current SUB isn’t great, just 60k. It used to be 80k online and 90k in-branch until last month :-(

What relationship do you currently have with chase?

 

[Daventry]

What relationship do you currently have with chase?

Just a checking account opened in branch in February 2022. Have been using it to pay off my US Amex balance.

 

[_TheTraveller_]

For those who have a Chase Ink card, did you have to call the first time to create an account?

 

[levelnine]

For those who have a Chase Ink card, did you have to call the first time to create an account?

If I remember correctly, I had to call to either set up the business account or to link my personal account to my business account so I could see them all on one login.

 

[blacksultan]

If those changes to Nova is correct, I better refer my wife for an amex card. Green looks good as it's probably the best ever offer

Don’t think k you can use referral without itin / Ssn

 

[velli25]

Will this prevent applying for an Amex without ITIN / SSN when you have a FICO?

 

[blacksultan]

Will this prevent applying for an Amex without ITIN / SSN when you have a FICO?

Using a referral ? Yes . As you won’t even be able to click through link to next page.

 

[velli25]

if you apply directly via AMEX without a referral? will the option then only be GT or via phone call

 

[georgie23]

Approved for Green card and posted two weeks ago - as expected MYUS is not working great with USPS. Called Amex and spoke to them and to resend to Australia need to do the notarycam check - have done part one of preverification just need to do the actual interview - hoping that will mean they can post card to here and I can then change to new phone (tello) as well and should have a fairly solid base to start with.

Thinking of getting the HSBC account up and running (have a credit card and can set up a premier account here) but will watch this space and see how others are currently going through this all

 

[georgie23]

Ok so completed the notarycam - was very simple - they just wanted the passport and DL details - was very formal - had to raise hand and swear but was simple to complete. Now need to await about 24 hours then can call Amex to see if can confirm them resending me a card to Australia

 

[maverick1]

You don't need to add an external account to deposit. It is pretty much for getting the money out or you can use Zelle as well. You mentioned Early Warning Service before which is a bit of a worry. I think it is similar to ChexSystems. If the score is low it could be from previous activities like fraud, overdrawn, bounced checks, even some crypto transactions etc. I think you can get a free report and see what the issue is but not sure if it is possible with ITIN. The score can't be that low since they approved the account. A lot of people with low score normally get denied.

Thanks mate. I created my Zelle id, seems its like our PAYID. I don't think HSBC US is part of Zelle network as that's the account I'm trying to transfer from.

Different Topic - how does one go about opening a checking account with Chase with no SSN? I tried putting my ITIN but it doesn't accept coz chase probably verifies the SSN with a central database.

 

[SWFR]

According to AwardWallet, starting from 23 August 2023 it will be necessary to provide a SSN or ITIN when applying for an Amex card:

In the comments section of the AwardWallet page, the author has posted the exact wording of the notification received from Amex regarding this change:

Currently, it is optional to provide a Social Security Number (SSN) or an Individual Taxpayer Identification Number (ITIN) during the application process if an applicant selects the checkbox that says “I don’t have a credit history in the US, but have had a credit card or loan in Australia, Brazil, Canada, the Dominican Republic, India, Kenya, Mexico, Nigeria, Philippines, South Korea, Switzerland or the United Kingdom.” Starting August 23rd, 2023, SSN or ITIN will be required.

 

[levelnine]

In the comments section of the AwardWallet page, the author has posted the exact wording of the notification received from Amex regarding this change:

That certainly makes it sound like GT is effectively shutting down.