Strategy to obtain US Amex

Credit file has reset for the month, I will apply for the CSP. Declined 7-10 biz days so I will call tomorrow as reconsideration line closed now
 
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How do you guys pay off your Amex cards? Is anyone using CurrencyFair?
Wise (send money to my B of A account, then pay card).
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Credit file has reset for the month, I will apply for the CSP. Declined 7-10 biz days so I will call tomorrow as reconsideration line closed now
If you are not in a hurry for the CSP, the last couple years they did 80k SUB in April. Existing card holders may get referral links before it goes public.
 
Given that they've only given my 3K does this mean I'm close to my Chase limit for future cards? I did recall reading that Chase will only extend 50% of your income?
Possibly, but I also find it somewhat random. I got a higher credit limit than my last card even though I haven't reduced my overall credit limit exposure with Chase and am now floating an additional $6K on a 0% APR card.
 
For proof of US address when applying for an Amex US card, can we simply change the address on our Australian bank statement to a US address, and use that Australian bank's statement as proof of US address? Of will Amex reject that when they see the bank has no branches in America?
 
Few questions seeing all the posts on Chase and business cards:

Why are people applying for the CIU and CIC cards? There is a 3% FX fee applied on international transactions. Understand it’s a no AF card, but surely the 3% is more than the AF on the CIP? Is it also the lower spend requirement?

Does Chase accept MyUS as a residential/mailing address or is it a no no like C1?

If I don’t have any Chase accounts at the moment, can I apply for a business card as my first card?

Thanks all!
 
Few questions seeing all the posts on Chase and business cards:

Why are people applying for the CIU and CIC cards? There is a 3% FX fee applied on international transactions. Understand it’s a no AF card, but surely the 3% is more than the AF on the CIP? Is it also the lower spend requirement?

Does Chase accept MyUS as a residential/mailing address or is it a no no like C1?

If I don’t have any Chase accounts at the moment, can I apply for a business card as my first card?

Thanks all!

6K spend requirement for 90k UR points. I have some US spend coming up but many of us consider it as a fee for the points. Also need to consider that some might have CIP already.

You definitely can apply for a Bus card as your first card with Chase.
 
Why are people applying for the CIU and CIC cards? There is a 3% FX fee applied on international transactions. Understand it’s a no AF card, but surely the 3% is more than the AF on the CIP? Is it also the lower spend requirement?
It is:
1) Bigger return on spend: CIC/CIU is 21.7x return on spend (130K/$6K) while CIP is 17.5x return on spend (140K/$8K). Unless you have truly unlimited spend, the former is considerably better than the latter.
2) 0% APR for 12 months allows you to time when you transfer AUD to USD to pay off the card.
3) Better category multipliers: CIU at 1.5x everywhere is more valuable for some people than CIP's particular categories.

Edit: Had a different version of this post originally as I misread your question.
 
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It is:
1) Bigger return on spend: CIC/CIU is 21.7x return on spend (130K/$6K) while CIP is 17.5x return on spend (140K/$8K). Unless you have truly unlimited spend, the former is considerably better than the latter.
2) 0% APR for 12 months allows you to time when you transfer AUD to USD to pay off the card.
3) Better category multipliers: CIU at 1.5x everywhere is more valuable for some people than CIP's particular categories.

Edit: Had a different version of this post originally as I misread your question.

How do/did you get 130K UR?
 
Has anyone encountered larger purchases being declined using their first Chase card? I'd been successful making smaller purchases <$100 for the first week and then I tried to make a larger purchase >$500 which was declined and after contacting Chase, speaking to fraud department and having notes put on the system that I was 'in Australia' and expecting to make a couple of larger purchases (>$500) it failed again the next day and then my account was put 'under review'. I called today and the fraud rep said she cleared the card for purchases and it should be fine to make the purchase again however this is what I was told last time when it failed again. Need a couple of these larger purchases to make ms for the card so wondering what the best strategy is. Also as a DP, the last few times my paid textnow number has worked for fraud verification call-backs and receiving otp texts on the app.
 
Has anyone encountered larger purchases being declined using their first Chase card? I'd been successful making smaller purchases <$100 for the first week and then I tried to make a larger purchase >$500 which was declined and after contacting Chase, speaking to fraud department and having notes put on the system that I was 'in Australia' and expecting to make a couple of larger purchases (>$500) it failed again the next day and then my account was put 'under review'. I called today and the fraud rep said she cleared the card for purchases and it should be fine to make the purchase again however this is what I was told last time when it failed again. Need a couple of these larger purchases to make ms for the card so wondering what the best strategy is. Also as a DP, the last few times my paid textnow number has worked for fraud verification call-backs and receiving otp texts on the app.

What card? and what purchases are you trying to make? Some merchants need verified by visa (it might a diff name now) approval and chase doesn't have that so you need to manually call them up and pass all purchases by a specific merchant.
 
To those of you who have Chase cards, did you all wait until your US credit history is at least one years old, and i assume most of you did not have a Chase checking account when you applied for your first Chase card ?
 
What card? and what purchases are you trying to make? Some merchants need verified by visa (it might a diff name now) approval and chase doesn't have that so you need to manually call them up and pass all purchases by a specific merchant.
CSP and trying to pay for Catering package (and drinks package) for a 21st Bday at a Sports and community club. The rejection code is 'Do not honor'. The first time it rejected Chase said the merchant needed to ask for additional ID for it to be approved but i'm not sure what that means. It was a Westpac eftpos terminal so not sure if I should be contacting Westpac as well. What do you mean by manually call them up? The merchant or chase?
 
To those of you who have Chase cards, did you all wait until your US credit history is at least one years old, and i assume most of you did not have a Chase checking account when you applied for your first Chase card ?
I have the same question. My credit history is slightly under 1yr, applied twice for chase got declined both times....so wondering what did other people do right/different who got Chase...
 
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