Strategy to obtain US Amex

[timmy1234]

Are you able to receive Chase Txt? When I called using Google Voice, my T mobile credit dropped. I checked my phone and it showed on my Phone and GV recent call history. I just connected the GV with my T mobile. Did I miss something. Do I have to pay a one of license fee or something for Google voice so that I can make free calls and txt using GV.

The keyword here is long term. I think the length of history plays a big part. If one has a short history but starts applying for too many cards,spend too much or recycling the limit, the computer could flag the account for review.

I just read a story of someone who got approved by Chase (CSP) and 2-3 other cards from different banks on the same day. Later he applied for Freedom, got rejected and Chase decided to close his CSP account. He got his account back with lower limit or something. Reason was too many new accounts.

Another person had about a year of history and didn't apply for any card after Chase but account closed and looked like it was because of the applications a few weeks back that weren't showing on his credit file at the time he did Chase application. The reason Chase gave was too many new accounts as well.

I think it got worse after Covid. Banks are more strict. They probably do a regular soft pull where they can see everything like how many accounts you have, how many inquiries, how much balance you carry etc so I think it's still good to be careful if you are new to them.

 

[joon8887]

I moved to Revoult since I have US bank accounts. No fees if transfer done during trading house (week days) and below 10k I think. Personal Fees for Standard Account.
You can provide your OZ debit card and they can pull the money instantly. Whereas transfer to your foreign bank e.g. US is next day. I found them cheaper due to no fees and faster than TW.

Hmm. I dont have a US bank account. Im guessing everyone else (who doesnt have a US bank acc) is paying $7.5 USD via TW to pay for their US CCs?

 

[DC3]

Hmm. I dont have a US bank account. Im guessing everyone else (who doesnt have a US bank acc) is paying $7.5 USD via TW to pay for their US CCs?

My recent TransferWise charge was AUD2.32 for USD400 (AUD515.40). So, about 0.45% in this case (after conversion)

 

[Finale]

Are you able to receive Chase Txt? When I called using Google Voice, my T mobile credit dropped. I checked my phone and it showed on my Phone and GV recent call history. I just connected the GV with my T mobile. Did I miss something. Do I have to pay a one of license fee or something for Google voice so that I can make free calls and txt using GV.

I received Chase alert texts on GV but not a verification when on the phone with them. T-mobile credit has nothing to do with GV and my T-mobile credit never got deducted from using GV. I think your t-mobile credit dropped because you answered the call when you called from GV to your t-mobile? T-mobile will charge you for receiving a call, similar to normal roaming service. But If you are on wifi calling, I believe t-mobile will deduct the minute from your plan but if you are not, it will deduct from the real money you have.

 

[steveyyf]

The keyword here is long term. I think the length of history plays a big part. If one has a short history but starts applying for too many cards,spend too much or recycling the limit, the computer could flag the account for review.

I just read a story of someone who got approved by Chase (CSP) and 2-3 other cards from different banks on the same day. Later he applied for Freedom, got rejected and Chase decided to close his CSP account. He got his account back with lower limit or something. Reason was too many new accounts.

Another person had about a year of history and didn't apply for any card after Chase but account closed and looked like it was because of the applications a few weeks back that weren't showing on his credit file at the time he did Chase application. The reason Chase gave was too many new accounts as well.

I think it got worse after Covid. Banks are more strict. They probably do a regular soft pull where they can see everything like how many accounts you have, how many inquiries, how much balance you carry etc so I think it's still good to be careful if you are new to them.

My credit history was only 15 months so safe to wait for 6 months before applying second chase card. Also will reach 524 when apply next one.

 

[timmy1234]

I received Chase alert texts on GV but not a verification when on the phone with them. T-mobile credit has nothing to do with GV and my T-mobile credit never got deducted from using GV. I think your t-mobile credit dropped because you answered the call when you called from GV to your t-mobile? T-mobile will charge you for receiving a call, similar to normal roaming service. But If you are on wifi calling, I believe t-mobile will deduct the minute from your plan but if you are not, it will deduct from the real money you have.

See below my config. Whenever I try to link my Tmobile number to GV, it does says added but I cannot see anything listed below. Does your config shows the same

 

[Finale]

My credit history was only 15 months so safe to wait for 6 months before applying second chase card. Also will reach 524 when apply next one.

Depending on how many other apps you apply with other banks I think but 6 months sounds safe as it's getting close to 2 years.

See below my config. Whenever I try to link my Tmobile number to GV, it does says added but I cannot see anything listed below. Does your config shows the same

Nope. Under linked number, my t-mobile number is there. Weird. You got a GV number without a linked number?



What app did you use to make a call and what number did you call? I used both google voice app and hangouts for another GV number and t-mobile balance was never charged. When you said t-mobile balance dropped, was it $$ from topup or minutes from the plan?

 

[timmy1234]

Depending on how many other apps you apply with other banks I think but 6 months sounds safe as it's getting close to 2 years.



Nope. Under linked number, my t-mobile number is there. Weird. You got a GV number without a linked number?

View attachment 241902

What app did you use to make a call and what number did you call? I used both google voice app and hangouts for another GV number and t-mobile balance was never charged. When you said t-mobile balance dropped, was it $$ from topup or minutes from the plan?

I used the Google Voice App. My current google voice credit shows 0.10 cents. I did not add money in Google voice. Do you thing that could be the case. The below screenshot shows it is linked but does not show as linked number. Once I get my Chase card sorted (gave my T Mobile number), I will change the area code and see whether it works.

 

[joon8887]

My recent TransferWise charge was AUD2.32 for USD400 (AUD515.40). So, about 0.45% in this case (after conversion)

How did you send money from your Aus bank acc to TW USD account? I cant add swift code from my Aus bank account

 

[Finale]

I used the Google Voice App. My current google voice credit shows 0.10 cents. I did not add money in Google voice. Do you thing that could be the case. The below screenshot shows it is linked but does not show as linked number. Once I get my Chase card sorted (gave my T Mobile number), I will change the area code and see whether it works.

I'm confused with this. When I said you could change t-mobile number, it was in order to get another GV number as one real number can only get one GV number. It was not for Chase. I have no idea how you get GV balance. and how your t-mobile balance sropped

 

[DC3]

How did you send money from your Aus bank acc to TW USD account? I cant add swift code from myopened Aus bank account

I set up a US Balance ‘account area’ in the TW app. Then I bought USD400 from them.

They advised me of their Australian account details for payment. From my Oz Financial Institution I paid them through Osko. TransferWise advised receipt of that within a few minutes (into my TransferWise US ‘account area’).

I setup my Amex Aspire to debit the provided Evolve Bank and Trust, in Manage Bank Accounts in the Amex app with details of the Evolve Bank as provided by Transferwise: Name, Account (type is checking), Routing, etc

When ready>Make a Payment.

The Amex card may credit overnight, or within about 24 hours (it has done both over 2 payments).

I hope that this makes sense, This is a bit of a rough explanation, however TW instructions are fairly straightforward.

Edit: I think that TransferWise use a bank in Victoria. So just the usual BSB, Account, Amount, and your TW member number (as as reference) for that bank transfer.

Edited a few times

 

[timmy1234]

I just checked my mobile, and it correctly shows my T-mobile as a linked number but on the website its blank.
I have NordVPN on my phone setup as US. The charge could be because (see bold).

• When you call from the US, almost all Google Voice calls to the US and Canada are free.
• Some calls to specific phone numbers in the US and Canada cost 1 cent per minute (USD).
• Calls outside the US are at listed rates.

I am planning of applying for the citi premier card after 3 months of my Hyatt chase.
In May, I should have 2 hard enquiries, 1 from Chase and the other from Citibank decline - no active credit (did not realise that Amex takes 2 months to update credit file). So I will have no more than 2 hard enquiries in 6 months. I also have a citi checking account which will be 6 months or more from the time of opening.

I have received Amex business pre-approved offers,
a) would it affect my current chase cards (soft pulls)
b) Citibank application in May.
I understand, amex does not report business cards to personal credit reporting agency. Furthemore, my Marriott Bonvoy business card applied in Dec 2020 did not get reported on my personal credit files (Checked - experian, TU, EQ). If I decide to go on this path, I am tossing between Hilton Biz (amazing deal), Amex Gold Biz (75k points, $150 shipping charge back). I read somewhere Amex does not like to extend credit limit more than 35k or based on your income.

If I have to choose between the Citi and the Amex Biz, I will always prefer the Citi

 

[glasszon]

Did anyone got an email from Amex saying they were unable to send mails to the MyUS address? I got Hilton Aspire card a year ago and I made sure to go paperless and turn off permission for mail marketing delivery, but somehow they still tried to mail me recently and wants me to update my mailing address....

Given the difficulty of getting non-premium Amex US cards, I am tempted to just contact Amex and tell them I am stuck in Australia due to covid and update the address to my Australian address.

 

[DC3]

Did anyone got an email from Amex saying they were unable to send mails to the MyUS address? I got Hilton Aspire card a year ago and I made sure to go paperless and turn off permission for mail marketing delivery, but somehow they still tried to mail me recently and wants me to update my mailing address....

No email for me, as yet. I received the Aspire in January 2020 as well. Nothing that may have triggered a red flag recently?

What did you set under Manage Paperless Settings?

Maybe they were mailing a pre-approved card offer, but just guessing.

Edited

 

[glasszon]

No email for me, as yet. I received the Aspire in January 2020 as well. Nothing that may have triggered a red flag recently?

Maybe they were mailing a pre-approved card offer, but just guessing.

No red flags that I can see, in fact Amex pre-approved a credit limit increase recently via email and I accepted it, perhaps the mail is something related to that?

I am in two minds as to whether to throw in the towel and just provide them with my Australian address vs applying for the Hilton Surpass card using the existing myUS address and ask them to mail it to my Australian address after 10 days, but I guess it might look quite bad to have two bounced mails in a short time period.

 

[joon8887]

Are you able to receive Chase Txt? When I called using Google Voice, my T mobile credit dropped. I checked my phone and it showed on my Phone and GV recent call history. I just connected the GV with my T mobile. Did I miss something. Do I have to pay a one of license fee or something for Google voice so that I can make free calls and txt using GV

trying to find a post to a guide on how to get chase card. Did you have a post like this at all?
I already have us amex but want to get chase cc. No US bank acc

 

[Sapz]

UPDATE!

I just received my HS card today. Fairly quick, I guess. Also, there was a letter explaining my FICO score, as well. Apparently, it is 744, in a "Very Good" category, according to Experian. I still can't see it online, though.

 

[glasszon]

On a more positive note, seems like the UA travel bank for the Airline travel credit is back!

United Airlines Travel Bank No Longer Works for American Express Airline Credit [Working Again?] - Doctor Of Credit

Update 2/18/21: This appears to be working again according to US Credit Card Guide & FT datapoints. Beginning January 14th, United Airlines Travel

www.doctorofcredit.com

 

[Sapz]

Did anyone got an email from Amex saying they were unable to send mails to the MyUS address? I got Hilton Aspire card a year ago and I made sure to go paperless and turn off permission for mail marketing delivery

No emails for me either. I too, went paperless as soon as I got my HA in June 2020.

 

[DC3]

UPDATE!

I just received my HS card today. Fairly quick, I guess. Also, there was a letter explaining my FICO score, as well. Apparently, it is 744, in a "Very Good" category, according to Experian. I still can't see it online, though.

Good news then. So, this is the card that you asked Amex to send direct to Australia, after the first one was not processed through your MyUS suite?