Strategy to obtain US Amex

[djchuckles]

Is it via email. Just say, you are relocating to US and still working remotely for Australian company. Ask if you can provide the Australian ones.

Yes after chasing (via email) that’s what they replied over night

 

[pyramidforce]

HSBC have asked for 2 payslips to process my Premier CC app. Obviously I only have AU ones. Is it ok to provide those?

Is it via email. Just say, you are relocating to US and still working remotely for Australian company. Ask if you can provide the Australian ones.

I just gave the payslips with no explanation. My application said non-resident or international or something, O I'm pretty sure HSBC just gives credit cards to international applicants. Even had my AU address

 

[djchuckles]

I just gave the payslips with no explanation. My application said non-resident or international or something, O I'm pretty sure HSBC just gives credit cards to international applicants. Even had my AU address

I just did the same - there’s very little that says they’re Australian anyway - apart from my super fund name and a reference to ATO. Fingers crossed

 

[blacksultan]

My new ink chase was blocked when I tried to max it out .
I now receive a letter stating that the account has been closed

•RAPID INCREASE IN REVOLVING BALANCES
•TOO MANY REQUESTS OF CREDIT OR REVIEWS OF CREDIT •Balances on accounts are too high compared to credit limits

They checked my experian report .

Does anyone know if I can appeal it ?

Will this have a long term affect on my credit assessment with chase and in general ?

 

[djchuckles]

Grrr - Amex won’t accept my HSBC statement because the statement period shows for less than 30 days - that’s because the first interim statement had my AU address. So the new statement with updated address only covers the period from when the old statement was done (31/8) to now and they are refusing to accept! So annoying

 

[nthd_nthd]

Been curious about my Credit Score, unable to talk to any rep from Credit Agency and could not access my Equifax and Amex plus Cap1 advised they could not process my Credit report. Took up the offer I got in the mail today and paid $1 for 1 month trial. I got this. FYI, In case you are in my shoe.

 

[levelnine]

My new ink chase was blocked when I tried to max it out .
I now receive a letter stating that the account has been closed

•RAPID INCREASE IN REVOLVING BALANCES
•TOO MANY REQUESTS OF CREDIT OR REVIEWS OF CREDIT •Balances on accounts are too high compared to credit limits

They checked my experian report .

Does anyone know if I can appeal it ?

Will this have a long term affect on my credit assessment with chase and in general ?

Yes you can. I know someone who got their Chase accounts recently reopened after closure in similar circumstances.

Seems like Chase are getting a bit more sensitive on the fraud/risk front. P2's latest Ink led to Internet banking being suspended because I got them to post the new card to Australia. Was unblocked after a call to the 'customer protection group'. Fairly straightforward, but first time that's happened.

 

[blacksultan]

Been curious about my Credit Score, unable to talk to any rep from Credit Agency and could not access my Equifax and Amex plus Cap1 advised they could not process my Credit report. Took up the offer I got in the mail today and paid $1 for 1 month trial. I got this. FYI, In case you are in my shoe.

Does it show detailed info from experian ? Can you share details of the offer ?

Post automatically merged: Sep 12, 2024

Yes you can. I know someone who got their Chase accounts recently reopened after closure in similar circumstances.

Seems like Chase are getting a bit more sensitive on the fraud/risk front. P2's latest Ink led to Internet banking being suspended because I got them to post the new card to Australia. Was unblocked after a call to the 'customer protection group'. Fairly straightforward, but first time that's happened.

Do you know the process for reopening ? Do I need to pay off balance first ? Is the same card account reopened or a new one ?

 

[levelnine]

Does it show detailed info from experian ? Can you share details of the offer ?

Post automatically merged: Sep 12, 2024

Do you know the process for reopening ? Do I need to pay off balance first ? Is the same card account reopened or a new one ?

You have to call and someone will manually review your file. Paying down balances can't hurt. And reopened account didn't require replacing any cards — they could continue to use the old ones.

 

[blacksultan]

You have to call and someone will manually review your file. Paying down balances can't hurt. And reopened account didn't require replacing any cards — they could continue to use the old ones.

Thanks

 

[djchuckles]

Been on phone for an hour with Amex, HSBC and both - and still can’t do a 3 way verification call - this is getting so painful!!

 

[djchuckles]

I think I’m stuck in a circle of incompetence or poor process. When Amex call HSBC, HSBC won’t approve a 3 way call and wont speak to me with someone else on the line. When HSBC call Amex, they won’t do the verification because they haven’t initiated the call to HSBC!

I think I’m all out of options until HSBC actually produce my first full statement. Any idea when that would be? (I can’t request another interim statement as it will just have the date since the last one and Amex said it has to have 30+ days)

 

[pyramidforce]

Been curious about my Credit Score, unable to talk to any rep from Credit Agency and could not access my Equifax and Amex plus Cap1 advised they could not process my Credit report. Took up the offer I got in the mail today and paid $1 for 1 month trial. I got this. FYI, In case you are in my shoe.

Who did you get the offer from? Is it just called Credit Agency?

 

[djchuckles]

Finally got there and got the surpass approved!

Is there ever points offers to add additional card members like here in AU?

 

[blacksultan]

Finally got there and got the surpass approved!

Is there ever points offers to add additional card members like here in AU?

Yes .should show online and sometimes email . But you can call in - sometimes they have superior offer over phone .

 

[nthd_nthd]

Been curious about my Credit Score, unable to talk to any rep from Credit Agency and could not access my Equifax and Amex plus Cap1 advised they could not process my Credit report. Took up the offer I got in the mail today and paid $1 for 1 month trial. I got this. FYI, In case you are in my shoe.

So, I figured out the mysterious "We cant identify you with TransUnion" issue. TransUnion somehow got my ITIN number wrong. Going thru dispute, managed to talk to actual person. Got advised I need to MAIL in my ITIN and proof of Address to correct it. No other way. Dead end until I can get to US land. Is there a solution for this when we need to mail something to US?

Does it show detailed info from experian ? Can you share details of the offer ?

Yes - all 3 credit Bureau - not sure if link allowed here. Through this email, get Equifax Complete™ Premier for $1 for your first 30 days, then $19.95 per month thereafter. Cancel at any time, no partial month refunds.1
.

Equifax

Get your 3-Bureau credit report and VantageScore credit scores from Equifax​

 

[pyramidforce]

So, I figured out the mysterious "We cant identify you with TransUnion" issue. TransUnion somehow got my ITIN number wrong. Going thru dispute, managed to talk to actual person. Got advised I need to MAIL in my ITIN and proof of Address to correct it. No other way. Dead end until I can get to US land. Is there a solution for this when we need to mail something to US?

Apologies if I'm missing something obvious - can't you just send international mail via Auspost? Or pay a higher rate for DHL express or FedEx etc.

 

[djchuckles]

So, I figured out the mysterious "We cant identify you with TransUnion" issue. TransUnion somehow got my ITIN number wrong. Going thru dispute, managed to talk to actual person. Got advised I need to MAIL in my ITIN and proof of Address to correct it. No other way. Dead end until I can get to US land. Is there a solution for this when we need to mail something to US?

Yes - all 3 credit Bureau - not sure if link allowed here. Through this email, get Equifax Complete™ Premier for $1 for your first 30 days, then $19.95 per month thereafter. Cancel at any time, no partial month refunds.1
.

Equifax

Get your 3-Bureau credit report and VantageScore credit scores from Equifax​

Do they need an SSN though?

 

[georgie23]

Do they need an SSN though?

Will ITIN work

 

[nthd_nthd]

Will ITIN work

ITIN Works for me. I dont have SSN

Post automatically merged: Sep 12, 2024

Apologies if I'm missing something obvious - can't you just send international mail via Auspost? Or pay a higher rate for DHL express or FedEx etc.

Will this complicate my file, Mail from oversea - not from where I said I live.