Strategy to obtain US Amex

From the Welcome Bonus T+C: “A Qualifying Direct Deposit is a single ACH transfer of $500 or more from an employer or the government for a paycheck, pension, government benefit (such as Social Security), or tax refund. The following are not Qualifying Direct Deposits: person to person transfers (P2P), demand deposit account to demand deposit account transfers (for example, from a checking account to another checking account), and deposits or ACH transfers not from an employer or the government (for example, online transfers or bank transfers) ….”.

So, a transfer from an employer or the government.


As this offer is relatively new, we won’t know for a while whether other ACH transfers can actually trigger the bonus (regardless of the T+C, or confirmation emails) as it will apparently take 8-12 weeks to post
Apparently people are getting confirmation email for welcome bonus within few days of qualifying DD followed by posting cash deposit within few couple of days of the email.
Doctor of credit forum is pretty good for getting data points on US card and bank deals….
 
It’s been suggested, upthread, to have at least a 3-month relationship with Amex AU before trying for GT. All good there?
Yeah it was just over 2 months. Hopefully it wont hurt me. Ill try again in 1 month which will be after 3 months from opening AUS card.
 
Got the Chase letter and called to verify. Answered the 2 random questions, and then was told they would send an email asking me to upload further documents to verify identity - waiting on the email but they suggested something like a bank statement or passport.

Anyone had to do this? Will submtiting an Aussie passport trigger any alarm bells?
 
Got the Chase letter and called to verify. Answered the 2 random questions, and then was told they would send an email asking me to upload further documents to verify identity - waiting on the email but they suggested something like a bank statement or passport.

Anyone had to do this? Will submtiting an Aussie passport trigger any alarm bells?
wait 24 hrs for the email and No is the answer to ur passport related question.
 
Some recent timeline for SH Studios:

Filled in IRS docs 12/8
Delivered to IRS 21/8
Received via email 12/10, IRS letter is dated 4/10

Applied for Bonvoy Business and pending review
I just checked mine out

Delivered to IRS 18/09
Maybe not as long to wait as thought - thats super speedy for you - good luck
 
  • U.S.-issued driver's license or other government-issued ID
  • Utility bill such as gas, water, electric, sewage, phone land line, internet or cable dated within the last 90 days
  • Pay stub dated within the last 60 days
For proof of address the email doesn't incldue bank statement but the guy on the phone said it would be OK. What have others done for address proof?
 
I think I've gone a little bonkers with the US CC apps. I got an email about the Apple card. I don't rate it at all but figured as it has no AF, it's one I could keep for the long term to help my FICO. Application was very simple. I got through it in less than a minute and got immediately declined. I used my Sarasota address but an email I got back said the address didn't match what was on my credit file.

I called the number in the email and the operator said there was nothing she could do and there wasn't a recon line or anything. I was welcome to try again and apparently, many people need to apply 3 times or more to get an approval.

I'm posting about my experience to warn anyone else who has even a remote inkling of interest in this card to avoid it - high risk of a declined application and reduction of 5/24 capacity. AVOID - YMMV. I'm now at 3/24 so will be careful about any further applications.

CSP application is in the "final stages" of consideration. Any DPs on how long it's taking nowadays? I'm used to getting a response straight away but know that's not always the case esp if trying to do it this way.
 
I'm now at 3/24 so will be careful about any further applications.
Remember 5/24 count is cards on your credit file, not applications.

An Apple card would have been a waste of a 5/24 slot if you had been approved.
Any DPs on how long it's taking nowadays?
There are plenty of DPs of Chase approvals taking longer than usual at the moment — up to 10-12 days. No idea why.
 
I think I've gone a little bonkers with the US CC apps. I got an email about the Apple card. I don't rate it at all but figured as it has no AF, it's one I could keep for the long term to help my FICO. Application was very simple. I got through it in less than a minute and got immediately declined. I used my Sarasota address but an email I got back said the address didn't match what was on my credit file.

I called the number in the email and the operator said there was nothing she could do and there wasn't a recon line or anything. I was welcome to try again and apparently, many people need to apply 3 times or more to get an approval.

I'm posting about my experience to warn anyone else who has even a remote inkling of interest in this card to avoid it - high risk of a declined application and reduction of 5/24 capacity. AVOID - YMMV. I'm now at 3/24 so will be careful about any further applications.

CSP application is in the "final stages" of consideration. Any DPs on how long it's taking nowadays? I'm used to getting a response straight away but know that's not always the case esp if trying to do it this way.

Just keep checking the automated hotline every day until you hear that you've been approved or message changes to 2 weeks. Sometimes it can go from 7-10 days to approved so you could be surprised.

For those who are asking for DPs please take an opportunity to check upthread with the search function. Many of us have posted DPs that answer many of your questions.
 
Apparently people are getting confirmation email for welcome bonus within few days of qualifying DD followed by posting cash deposit within few couple of days of the email.
Doctor of credit forum is pretty good for getting data points on US card and bank deals….
Did AMEX ask for any supporting documents to be submitted by fax / post?
 
Ok, denied for Bonvoy Business due to no Experian credit score. I’ve held a US account since June so don’t have a score yet, but @maverick1 was approved for business with no score so thought I’d give it a go.

Rep said to call up Experian to get them to update their reporting…whatever that means
 
Hoping for some advice from the brains trust here. I applied for an ITIN at the end of June, was granted one at the start of September, but am yet to see either the ITIN confirmation letter or my passport. Does anyone know roughly how much longer I should be waiting? Getting somewhat anxious as I have a couple of overseas trips coming up shortly.

Timeline:
30 June: ITIN application and passport sent
8 July: package delivered to Austin Texas
1 September: ITIN granted (I called in mid September and was informed of this)
 
Hoping for some advice from the brains trust here. I applied for an ITIN at the end of June, was granted one at the start of September, but am yet to see either the ITIN confirmation letter or my passport. Does anyone know roughly how much longer I should be waiting? Getting somewhat anxious as I have a couple of overseas trips coming up shortly.

Timeline:
30 June: ITIN application and passport sent
8 July: package delivered to Austin Texas
1 September: ITIN granted (I called in mid September and was informed of this)
Did you apply direct to the IRS, or through an Acceptance Agent? My ITIN application was through EIN Express and I did not need to send my passport away. EIN Express emailed me a copy of the IRS approval letter.
 

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