Strategy to obtain US Amex

[levelnine]

What’s the process for getting a business card? I have an ABn here but no EIN there

Apply as a sole prop. No EIN required.

 

[djchuckles]

Apply as a sole prop. No EIN required.

and no other proof needed?

 

[levelnine]

and no other proof needed?

No.

 

[cathalm8]

Just update on my 2nd Amex application. After being told I wouldn't get the SUB applying over the phone, I tried to apply for the gold through the Resy referral link and was PUJ'ed as well.

So I put some charges through my green card and after a couple days tried again and surprisingly no PUJ! However, I didn't enter a valid SSN and needed to call up to change this to my passport number after I received the outcome email. They also needed me to verify my name and address, but were unable to get through to HSBC. After a couple calls, the agent instead verified me by calling my Tello number and approved my Gold card - yay!

I figured I might be out of PUJ now, so I tried to apply for the Brilliant over the phone since I saw I could apply for them both on the same day, but after half hour of going through the application, I was told that I wouldn't get the SUB. Might need to wait a bit to apply for the Brilliant then.

I might try this method for my P2 who has held a US GT Amex green since Nov. She doesnt have an ITIN or SSN and currently doesnt have an AMEX Aus to try GT.

I was wondering when you say they needed to verify your name and address, could we simply supply a US bank statement / credit card statement which she does have?

You also mentioned this method may be risky? What risks do you foresee?

Was also wondering what reason did you provide for only entering your passport number and not ITIN/SSN on application form when you call them up to have it changed?

 

[blacksultan]

What’s the process for getting a business card? I have an ABn here but no EIN there

ABN won’t help . No need for EIN . Apply as sole proprietor using your ITIN/ SSN.

Post automatically merged: Sep 7, 2024

I might try this method for my P2 who has held a US GT Amex green since Nov. She doesnt have an ITIN or SSN and currently doesnt have an AMEX Aus to try GT.

I was wondering when you say they needed to verify your name and address, could we simply supply a US bank statement / credit card statement which she does have?

You also mentioned this method may be risky? What risks do you foresee?

Was also wondering what reason did you provide for only entering your passport number and not ITIN/SSN on application form when you call them up to have it changed?

You can mention you don’t have an itin or ssn .
Sometimes they accept a statement other times they request a three way call .

 

[Uncharted6264]

What’s the process for getting a business card? I have an ABn here but no EIN there

get an itin, get an EIN (ein takes two seconds over the phone). Nothing else.

 

[albyd]

Sounds like a good MS opportunity ...

Is there a way to do this in a meaningful way? Otherwise most retail purchases would be a waste of time esp if the cashier is super diligent and makes you refund it to the source card?

 

[georgie23]

Hi everyone

Been away for a long while and have had a green card for over a year now and using with no issues. I am yet to get a FICO score attached to my card and I thought I would try and call AMEX US today and see what the issue is. I got told that Experien does the FICO for Amex USA and they require a SSN to activate - I tried using my ITIN that I have received but no dice.

Has anyone else had this issue - have been offered an upgrade to a platinum card for 100K but doesn't seem that enticing compared with other options that people have been offered.

I would really like to get the next card going and using my ITIN that I have had approved

 

[pyramidforce]

Hi everyone

Been away for a long while and have had a green card for over a year now and using with no issues. I am yet to get a FICO score attached to my card and I thought I would try and call AMEX US today and see what the issue is. I got told that Experien does the FICO for Amex USA and they require a SSN to activate - I tried using my ITIN that I have received but no dice.

Has anyone else had this issue - have been offered an upgrade to a platinum card for 100K but doesn't seem that enticing compared with other options that people have been offered.

I would really like to get the next card going and using my ITIN that I have had approved

Hoping to get an answer as well generally regarding how ITINs get attached to credit reports.

But if it is for an Amex card in particular you apparently can't not get another non non amex card through a method that isn't not another non Global transfer from your Amex AU profile. Could always give that a try.

Not sure how to get a targeted offer sorry.

 

[Grrr]

You can use Pay Bills from pretty much any bank to pay

Out of interest, how do you do this to pay Amex ?

On my US Amex statement, I only see an account number (well ending in...), but no routing number or any other method other than a phone number to call or americanexpress.com/pbc

With Aus Amex, the statement has options for our local inter-bank payment methods (Bpay, PayID, etc)...

 

[Finale]

Out of interest, how do you do this to pay Amex ?

On my US Amex statement, I only see an account number (well ending in...), but no routing number or any other method other than a phone number to call or americanexpress.com/pbc

With Aus Amex, the statement has options for our local inter-bank payment methods (Bpay, PayID, etc)...

Go to pay bills, search for american express, then add account/card number.

 

[djchuckles]

So just got first Amex (GT) and HSBC Premier CC. Should get ITIN in next 12 weeks. How long should I wait before trying to apply for another card (Amex or otherwise)

 

[sudoer]

You can try another Amex GT pretty quickly but can't move on to other issuers until you have a FICO score (6-8 months)

 

[georgie23]

You can try another Amex GT pretty quickly but can't move on to other issuers until you have a FICO score (6-8 months)

I'm 13 months in and no FICO score yet - hoping it appears

 

[blacksultan]

Any ideas on a telephone no that will work with Capital one . Just been approved for the venture rewards the online account leads me to my previously locked checking account profile . Don’t have access to previous text now no and it won’t accept my new tello no or text now no . Any ideas ?

 

[pyramidforce]

I'm 13 months in and no FICO score yet - hoping it appears

I'm not an authority, this is a question as much as an answer

It looks like a FICO score is generated after 6 months according to a quick google fu. I know that our circumstances are perhaps more unique than most, but at what stage should we become concerned that our ITIN just isn't ever going to be linked to our report?

One of the things on your credit report is your address. Maza will always put their own address on the ITIN application, so I'm not sure how these will get linked together.

EDIT: unrelated update - HSBC Premier gives 3x points at colesworth.

 

[georgie23]

My ITIN application the agency actually used their own address as stated but then had my postal as Austria instead of Australia so I’m not even in the right hemisphere

 

[georgie23]

Hoping to get an answer as well generally regarding how ITINs get attached to credit reports.

But if it is for an Amex card in particular you apparently can't not get another non non amex card through a method that isn't not another non Global transfer from your Amex AU profile. Could always give that a try.

Not sure how to get a targeted offer sorry.

Thanks i might try another GT Amex and see how I go.
In terms of cards at the moment is there a particular card that seems to be recommended as next step card
I have the Green but will review options - unsure if to go for another charge or credit card option

 

[djchuckles]

My ITIN application the agency actually used their own address as stated but then had my postal as Austria instead of Australia so I’m not even in the right hemisphere

I think Maza also used their address. But i verified my real US address so hoping somewhere they did include that

 

[albyd]

EDIT: unrelated update - HSBC Premier gives 3x points at colesworth.

Thanks for the update - much appreciated. I’m looking to diversify the cards I use somewhat and put HSBC into the mix as I haven’t used mine very much at all. I’ll do now while being mindful of the FX risk.