Strategy to obtain US Amex

What are people's recent experiences with getting a Capital One card? Looking to get the venture card at some point (once I have my FICO score and its high enough)

Journey so far
- Have a HSBC Premier CC, which I got relatively easy as am a Premier customer in AU & the UK
- Applied for Amex Green through Australian profile GT (or maybe it was my UK can't remember), fairly confident I will receive approval today after providing all the ITIN & address paperwork

Issues I think I might run into with C1 based on reading upthread:
- Using a MyUS address
- Having a Tello number (though read this might be ok)
- Using card almost exclusively outside the USA (fraud blocks)
 
Called chase again tonight. Apparently my account has already been closed due to thin credit history and too many recent card applications. Asked for reconsideration/reinstatement and they did another credit pull and denied again.

Called 2 more times for reinstatement. First call, lady said I had a thin credit history, have no public record of me and phone number not even in my name.
2nd call lady says I have too many cards and the chase card can never be reopened again. Welcome to apply again for a new card but not guaranteed approval.

I guess that is it?
 
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Ko0l said:
Called chase again tonight. Apparently my account has already been closed due to thin credit history and too many recent card applications. Asked for reconsideration/reinstatement and they did another credit pull and denied again.

Called 2 more times for reinstatement. First call, lady said I had a thin credit history, have no public record of me and phone number not even in my name.
2nd call lady says I have too many cards and the chase card can never be reopened again. Welcome to apply again for a new card but not guaranteed approval.

I guess that is it?
Click to expand...
What would they do if you had a small outstanding balance in situations like this? Do they still close and demand the money?
 
I've just applied for my first Chase Business Card - Ink Cash. Got the "We have sent a letter requesting more information" on the automated status line. This happened with my first two personal chase cards also and it was just ITIN and address verification. Any recent DP's on what the additional information would be for a business card?
 
Ko0l said:
Called chase again tonight. Apparently my account has already been closed due to thin credit history and too many recent card applications. Asked for reconsideration/reinstatement and they did another credit pull and denied again.

Called 2 more times for reinstatement. First call, lady said I had a thin credit history, have no public record of me and phone number not even in my name.
2nd call lady says I have too many cards and the chase card can never be reopened again. Welcome to apply again for a new card but not guaranteed approval.

I guess that is it?
Click to expand...
How long is your credit history? What is your fico score? How many cards do you have open?
 
cathalm8 said:
How long is your credit history? What is your fico score? How many cards do you have open?
Click to expand...
About 4 years. First Amex card was back in May 2020.
Applied for my 2nd amex through GT in June this year.
Credit score on amex was about 804 before the score was removed in July.

Chase was my first card with an ITIN and I applied in August. Was approved initially, received card and card was locked upon activation.

I also recently applied for a 3rd amex business card last week. This could have spooked them. They did note thin credit history and recent card applications for reason of closure.

Could be that they see only 1 card with long history, then 3 card apps inc the Chase in the last few months. (Though I thought business cards don't show up on credit reports and amex doesn't do hard pulls for existing card holders.)
 
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Voele said:
Costco codes as Wholesale Clubs which is different from the Grocery Stores MCC. It tracks as 1x on the HSBC. I tried it a few weeks ago as I had similar thoughts as you.
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Just went thru my HSBC transactions and none of them got bonus points except Purchases from Qantas marketplace, Airlines and Cruises. Transactions from Coles/Woolworths/Ampol/7Eleven all got 1x. 😢
 
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nthd_nthd said:
Just went thru my HSBC transactions and none of them got bonus points except Purchases from Qantas marketplace, Airlines and Cruises. Transactions from Coles/Woolworths/Ampol/7Eleven all got 1x. 😢
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I have several purchases from different Coles, IGA, some indian grocery stores, multiple 7-elevens and they all coded correctly for 3x. The only one that didnt code correctly for me was a BP gas station so far. I guess its a bit luck of the draw and depending on how the store has configured their terminal?
 
nthd_nthd said:
Just went thru my HSBC transactions and none of them got bonus points except Purchases from Qantas marketplace, Airlines and Cruises. Transactions from Coles/Woolworths/Ampol/7Eleven all got 1x. 😢
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Online Colesworth codes as 1x for me. In person have all been 3x.

Qantas Marketplace should be 5x for Elote and 2x for Premier.

Haven't tried ampol or 7/11
 
nthd_nthd said:
Just went thru my HSBC transactions and none of them got bonus points except Purchases from Qantas marketplace, Airlines and Cruises. Transactions from Coles/Woolworths/Ampol/7Eleven all got 1x. 😢
Click to expand...
How did you pay? In store tap? Apple Pay? Online click and collect?

Does HSBC have an option to view the MCC?
 
I see the current Hilton card SUBs run until 1/8/25 (which I assume is 8th January).

I got the Surpass this month and definitely want to get the Aspire before a big trip to WA Maldives in April but will it be pushing it to apply for either the Aspire or Basic which card before Jan 8th? I also wanted to get the Gold Charge as a lot of my spending is on restaurants globally......

NB I should have my ITIN around the end of October so wondered if I could do something like the following :

November - apply for Gold
December apply for Aspire
Jan (before 8th) apply for Basic
 
djchuckles said:
I see the current Hilton card SUBs run until 1/8/25 (which I assume is 8th January).

I got the Surpass this month and definitely want to get the Aspire before a big trip to WA Maldives in April but will it be pushing it to apply for either the Aspire or Basic which card before Jan 8th? I also wanted to get the Gold Charge as a lot of my spending is on restaurants globally......

NB I should have my ITIN around the end of October so wondered if I could do something like the following :

November - apply for Gold
December apply for Aspire
Jan (before 8th) apply for Basic
Click to expand...
Remember to link your ITIN to your Amex account asap after you get it. The timeframe is a bit tight but you may get lucky. I didn't
 
nthd_nthd said:
Remember to link your ITIN to your Amex account asap after you get it. The timeframe is a bit tight but you may get lucky. I didn't
Click to expand...
I wish I did mine - I got it nearly a year ago and didn't add (didn't really know how to do it truthfully) and was waiting for FICO to come and then apply for second card - It was in the time they were phasing out seeing the FICO score, I was thinking I still hadn't got one, I probably did just didn't see it - but I wasn't aware of that.

I did apply for a platinum a few weeks and it just arrived today (DHL delivering on a weekend which is great service) and I was able to active and add to account - I am hoping that this card was applied with the ITIN it will now get reflected in the overall Amex account and take into account the 13 month green card history.

I just was reading through the platinum information and got a 2 page Credit Report included

It stated my credit score is 684 (Experian) with a date from Aug 2024 - no idea if that is reasonable or poor for 13 month history of green card from. GT application. Looking at Experian website that seems in "Good" range - but nothing to write home about - hoping to improve to very good to be able to get some Chase cards in the next 6 months
 
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