Strategy to obtain US Amex

[Daventry]

This is from another thread


2FA with Chase and Capital One still works for me only via phone call, not the SMS.

When I pick "send me SMS" and I don't get it, I click "didn't get the code". Then "call me" option shows up. Click on it, you receive an automated call that tells you your code number and you need it enter it to the bank website. They thank you for authenticating yourself and you are in.

Thanks. BTW this is person is talking about the same issue I experienced.

 

[_TheTraveller_]

I find it a bit strange that Chase is a bit inconsistent with requesting W-9. I've had CIPs approved immediately whereas some cards will require a W-9. I've always applied for a Chase card whilst on a VPN. Don't remember if I ever applied whilst state side.

I did get immediately approved by C1 for VX whilst state side though.

 

[georgie23]

Thanks. BTW this is person is talking about the same issue I experienced.
View attachment 409329

That seems frustrating - sorry - I was just thinking OTP but it seems the check when on the phone call

 

[mattr00]

Tello and Talkatone don’t work for Chase don’t work for OTP when calling up for me

 

[georgie23]

Does anyone know of options that do work then?

I have been watching some of the videos by this guy who has suggestions and reading comments too

 

[US_Amex]

Hey guys, first time poster but long time lurker!

Spent the last year reading the thread and data points and so far have managed to open up 3 personal cards (1 x HSBC and 2 x AMEX) and 2 business cards (2 x AMEX). Received ITIN about a month ago via Maza.

I'm planning to make a large purchase towards the end of November (~$10k AUD) all in one go and on my Amex Biz Gold charge card, so just wanted to check if there's any need to notify AMEX of this purchase or should I just slowly build up between now and then (end Nov) on small amounts up around ~$1k or so? I just got the Biz Gold card last week (175k MR and $15k spend).

 

[Grrr]

Spent the last year reading the thread and data points and so far have managed to open up 3 personal cards (1 x HSBC and 2 x AMEX) and 2 business cards (2 x AMEX). Received ITIN about a month ago via Maza.

Great work ! Can I ask about the timeframe between each card ?

 

[US_Amex]

Great work ! Can I ask about the timeframe between each card ?

Probably about a month or two between the personal cards and 3 weeks between the business

 

[Franko Costa]

Hey guys, first time poster but long time lurker!

Spent the last year reading the thread and data points and so far have managed to open up 3 personal cards (1 x HSBC and 2 x AMEX) and 2 business cards (2 x AMEX). Received ITIN about a month ago via Maza.

I'm planning to make a large purchase towards the end of November (~$10k AUD) all in one go and on my Amex Biz Gold charge card, so just wanted to check if there's any need to notify AMEX of this purchase or should I just slowly build up between now and then (end Nov) on small amounts up around ~$1k or so? I just got the Biz Gold card last week (175k MR and $15k spend).

All depends on what you put on your current cards.

Is there an option to make it into smaller payments over a couple of days?

 

[US_Amex]

All depends on what you put on your current cards.

Is there an option to make it into smaller payments over a couple of days?

I could try - I've been putting a few $k on my other cards but I think the most has been $2k in one go

 

[georgie23]

When you applied did they give you a Pay over Time limit - my Green card (13 month history) slowly increased to 8.8K and my platinum recent card just got a 35K POTL - so I am wondering if the amount is greater than your purchase price and you have a good track record with Amex I would work on idea that would fall inline with what they are willing to allow "credit" to extend as a payment with interest

 

[blacksultan]

If you have a thin credit file, you've likely reached the limit of credit and/or new cards that Chase will extend to you. You'll likely need to reduce credit limits & close an Ink if you want to open a new card.

You may also be able to move credit limits .
What is meant by ‘thin credit file ‘ ?

 

[georgie23]

What is a Thin Credit File? | Chase

A thin credit file means that you have limited information within your credit history. Discover how thin credit files may affect your ability to build up a credit score.

www.chase.com

I didn’t know myself so looking into it

 

[US_Amex]

When you applied did they give you a Pay over Time limit - my Green card (13 month history) slowly increased to 8.8K and my platinum recent card just got a 35K POTL - so I am wondering if the amount is greater than your purchase price and you have a good track record with Amex I would work on idea that would fall inline with what they are willing to allow "credit" to extend as a payment with interest

Ok thanks, so if its within that limit, it should work.

Alternatively, I can put it on my other business cc but won't get the full use of the 10k towards the sign up bonus. But should be okay as a back up

Post automatically merged: Oct 3, 2024

You may also be able to move credit limits .
What is meant by ‘thin credit file ‘ ?

Is moving credit limits possible between personal and business cc's? Reducing my personal cc down to say 2k and increasing my business cc with the amount reduced?

 

[levelnine]

Hey guys, first time poster but long time lurker!

Spent the last year reading the thread and data points and so far have managed to open up 3 personal cards (1 x HSBC and 2 x AMEX) and 2 business cards (2 x AMEX). Received ITIN about a month ago via Maza.

I'm planning to make a large purchase towards the end of November (~$10k AUD) all in one go and on my Amex Biz Gold charge card, so just wanted to check if there's any need to notify AMEX of this purchase or should I just slowly build up between now and then (end Nov) on small amounts up around ~$1k or so? I just got the Biz Gold card last week (175k MR and $15k spend).

$10K AUD isn't a huge amount. You'd have to be on the unluckier side to get a FR with that spend, especially if you pay it off straight away. Still possible, but by no means guaranteed.

 

[Uncharted6264]

$10K AUD isn't a huge amount. You'd have to be on the unluckier side to get a FR with that spend, especially if you pay it off straight away. Still possible, but by no means guaranteed.

DP: I spent about 15k on the personal plat in the first month after GT, I was surprised they let me to be honest and there was no indicator they wouldn't let me do more. The check spend tool came back with reasonable approvals, too.

 

[US_Amex]

$10K AUD isn't a huge amount. You'd have to be on the unluckier side to get a FR with that spend, especially if you pay it off straight away. Still possible, but by no means guaranteed.

Good to know! Thanks!

Post automatically merged: Oct 4, 2024

DP: I spent about 15k on the personal plat in the first month after GT, I was surprised they let me to be honest and there was no indicator they wouldn't let me do more. The check spend tool came back with reasonable approvals, too.

Ok thanks! I’ll also try out the check spend tool a few days before the purchase.

 

[_TheTraveller_]

Just FYI, frequent use of the check spend tool will trigger FR. It's a pretty well known trigger for Amex.

 

[georgie23]

Just FYI, frequent use of the check spend tool will trigger FR. It's a pretty well known trigger for Amex.

Agree - never used it - but my limited understanding was “never” use the spend tool as it will flag you for a FR - from multiple people

 

[US_Amex]

Just FYI, frequent use of the check spend tool will trigger FR. It's a pretty well known trigger for Amex.

Agree - never used it - but my limited understanding was “never” use the spend tool as it will flag you for a FR - from multiple people

Ok thanks, won't do it then