Strategy to obtain US Amex

[pyramidforce]

Re HSBC World Elite vs Premier credit card in the US...

The HSBC elite website mentions unlimited Priority Pass but the PP link in the terms and conditions doesn't even work when you click on it. My Googlefu reveals that it offers the access through loungekey instead.

$395 USD is honestly a reasonable price for full access priority pass / a loungekey equivalent if it is indeed what the card comes with. Would anyone by some chance happen to have an Elite card / can advise how good the PP is?


Edit: yikes I don't think I saw this last time I looked. USA HSBC has removed the "holds premier status in another region" (I think? Maybe it was just somewhere else and I'm blind again, wouldn't be the first time) requirement and now has some scary $50 fee thing? Has this always been there?

 

[azza007]

I'm looking at going down the rabbit hole of applying for US CC's. No hurry to do so.
There is a lot of useful information in those prior pages so thanks everyone

I currently don't have a AU amex and still need to wait about 10 or so months before I'm eligible for SUB again.
My phone isn't e-sim compatible but is dual sim

From what I have learned from my readings is:
- Move to the US, maybe
- Maybe Tello for or one of the apps to start with
- Open AU HSBC Premier account and use that to open a HSBC US account
- Apply for ITIN

I could apply now for AU Amex or wait 10 months or so until i'm eligible for SUB again, either way then wait a bit before applying for US one via GT
Or when I have the everything above in order try for the HSBC US CC or if that fails try for something like a low value Cap1 card for building credit

 

[nthd_nthd]

You can contact amex for the tracking and ask MyUS to locate it, alternatively ask amex to deliver a new card to your australian address.

The biggest pita is actually calling amex as it'll be difficult for them to ID you with no SSN/ITIN and not an existing card member. Maybe try the global transfer number as they will be familiar with international customers or the amex new apps line. Generally they only ask for the application number. Just not sure how much those 2 departments can help you.

I did ask for au add delivery for my 1st GT and they did notary cam verification and voila, card arrived a few days later. But had to wait exactly after 10 days.

I used US Global, I always see my letters from Amex including my PMB number. Out of 20, there may be 2 without PMB number. But regardless how they arrived and I got notified with just Names.

 

[nthd_nthd]

I'm looking at going down the rabbit hole of applying for US CC's. No hurry to do so.
There is a lot of useful information in those prior pages so thanks everyone

I currently don't have a AU amex and still need to wait about 10 or so months before I'm eligible for SUB again.
My phone isn't e-sim compatible but is dual sim

From what I have learned from my readings is:
- Move to the US, maybe
- Maybe Tello for or one of the apps to start with
- Open AU HSBC Premier account and use that to open a HSBC US account
- Apply for ITIN

I could apply now for AU Amex or wait 10 months or so until i'm eligible for SUB again, either way then wait a bit before applying for US one via GT
Or when I have the everything above in order try for the HSBC US CC or if that fails try for something like a low value Cap1 card for building credit

about right. If you have AU HSBC Premier - then you can open checking HSBC US Account then apply for FREE HSBC CC (35K bonus) to keep as well as building credit report also.

 

[???]

Hi all. ​

​

Not sure if been answered before but the Amex app is not letting me see my FICO score. I have had a card with Amex for 2 years and was under the impression that you could see your FICO score from Experian in the app with an ITIN but when I try “FICO score and insights” in the app I get an error saying “We are unable to process your request”. ​

​

I also immediately get an email saying “We are sorry to see you go…” and an option to re enroll, when I click that link, it takes me to Amex login page and when I re enroll, I get the same “We are unable to process your request”. ​

​

I rang the number to speak to my credit report people who told me a FICO score can’t be generated without a SSN?​

Anyone else have the same issue? Any help is appreciated

 

[pyramidforce]

I'm 90% sure you still have a FICO score, you just can't see it. There may be other ways to see it, I'm not sure.

 

[Phoenix-1]

I was able to check my FICO score through Amex even a week or so ago. I can't get it work now.

 

[desafinado74]

I was able to check my FICO score through Amex even a week or so ago. I can't get it work now.

Yeah, same here. So freaking annoying. I can't think of any other way to check the score via Amex now.

 

[Uncharted6264]

Just trying for business cards now which is my main objective (first one was personal) - it appears ITIN is definitely required unfortunately, and wisdom on how to avoid?

Just an update here, successfully applied over the phone for business plat, no ITIN required. Did need an EIN but that took two seconds to do over the phone to the IRS. The website for businesses may just be broken, it is pretty janky tbh.

 

[Phoenix-1]

I applied for the CSR a week or so ago. After 4-5 days the automated line said I'll receive a written response in 7-10 business days, so I hit 0 to speak to a rep who told me I had to submit some identification documents (Name, ITIN, proof of address) which I did and to call again in 24 hours. I did that and the second rep went through some verification steps, including telling me my ITIN didn't match my name and then to confirm it verbally after reading me a script and said it'll be 1-2 business days before things are finalised. Automated line is back to saying 7-10 business days for a written reply. I'm going to wait a couple days and call again - but just wanted to know if anyone had anything similar when applying?

I only have a single Amex card (Amex Blue Cash Everyday) but I have 1 year of credit history through a secured BoA card and my score was 737 on Amex before it disappeared.

 

[Ko0l]

Just an update here, successfully applied over the phone for business plat

How much was the bonus on the business plat?

 

[Uncharted6264]

How much was the bonus on the business plat?

150k, I had an offer for 250 open on my laptop but the agent said he couldn't budge.

 

[nthd_nthd]

Just an update here, successfully applied over the phone for business plat, no ITIN required. Did need an EIN but that took two seconds to do over the phone to the IRS. The website for businesses may just be broken, it is pretty janky tbh.

Great DP. How long do you have account with them? They rejected me saying my Credit line is not yet 6 months. I used ITIN

 

[Uncharted6264]

Great DP. How long do you have account with them? They rejected me saying my Credit line is not yet 6 months. I used ITIN

Over 2.5 years of excellent credit history with Amex in Australia - to be honest I forgot to mention the GT to the agent when he did my application for the biz card. I mentioned it to another guy on a followup call, but the app was already submitted. He did ask me for Aus card # though, so maybe it's made a difference. Let's see if it causes me trouble.

 

[nthd_nthd]

Over 2.5 years of excellent credit history with Amex in Australia - to be honest I forgot to mention the GT to the agent when he did my application for the biz card. I mentioned it to another guy on a followup call, but the app was already submitted. He did ask me for Aus card # though, so maybe it's made a difference. Let's see if it causes me trouble.

Interesting.

 

[dein_gesicht]

Has anyone here opened a Charles Schwab international brokerage account before ?
If so, was the USD$25k minimum deposit amount strictly enforced ?

Also, has anyone tried to open a SoFi checking account with an ITIN too ? Apparently you can check your Transunion Fico score from there.

I have a CS account and min is $0

 

[dein_gesicht]

Just a reminder when you have you first chase biz (and probably personal) you need to call up and them to create a username for you (if you are using an ITIN)

 

[desafinado74]

I have a CS account and min is $0

Thank you ! That is good to know. Do you get a debit card as well ?

 

[dein_gesicht]

Thank you ! That is good to know. Do you get a debit card as well ?

Yes I did. You need to get them to fill in a form and then fax it in if you're using an ITIN

 

[desafinado74]

Yes I did. You need to get them to fill in a form and then fax it in if you're using an ITIN

Thank you for replying. Did you provide your ITIN when you applied for the Charles Schwab account? I don't intend to, since this is their international version (I will just give them my Aussie tax file number instead)