Strategy to obtain US Amex

[georgie23]

Interesting. They did box b for P2. Didn't have to sign 1040-nr though. Wonder if that is what only CAA can do.

yes feels like that is her "magic" - can just sign saying needs it and wants it

 

[pyramidforce]

I'm having an expected but nonetheless frustrating problem of not being approved by Amex AUS for a credit card. This will obviously make it hard to do a GT to a US card!

I am a Supp card holder for someone else's AUS Amex. On the phone, I was told to reapply in 90 days. Not sure how much stock to put into front line agents advice.

I am not a serial churned by any means but maybe if I just wait a few more months (180 days?) It might be better. Maybe if I apply for a lower tier card, just to get a relationship, it might work better. I also have a home loan with a small bank that doesn't show up on any credit report, which may or may not be contributing.

Anyone have any more DPs on getting Amex AUS approval? Or can you GT ad a supplementary card holder?

Post automatically merged: Oct 15, 2024

I'm having an expected but nonetheless frustrating problem of not being approved by Amex AUS for a credit card. This will obviously make it hard to do a GT to a US card!

I am a Supp card holder for someone else's AUS Amex. On the phone, I was told to reapply in 90 days. Not sure how much stock to put into front line agents advice.

I am not a serial churned by any means but maybe if I just wait a few more months (180 days?) It might be better. Maybe if I apply for a lower tier card, just to get a relationship, it might work better. I also have a home loan with a small bank that doesn't show up on any credit report, which may or may not be contributing.

Anyone have any more DPs on getting Amex AUS approval? Or can you GT ad a supplementary card holder?

 

[Triben]

I'm having an expected but nonetheless frustrating problem of not being approved by Amex AUS for a credit card. This will obviously make it hard to do a GT to a US card!

I am a Supp card holder for someone else's AUS Amex. On the phone, I was told to reapply in 90 days. Not sure how much stock to put into front line agents advice.

I am not a serial churned by any means but maybe if I just wait a few more months (180 days?) It might be better. Maybe if I apply for a lower tier card, just to get a relationship, it might work better. I also have a home loan with a small bank that doesn't show up on any credit report, which may or may not be contributing.

Anyone have any more DPs on getting Amex AUS approval? Or can you GT ad a supplementary card holder?

Post automatically merged: Oct 15, 2024

I'm having an expected but nonetheless frustrating problem of not being approved by Amex AUS for a credit card. This will obviously make it hard to do a GT to a US card!

I am a Supp card holder for someone else's AUS Amex. On the phone, I was told to reapply in 90 days. Not sure how much stock to put into front line agents advice.

I am not a serial churned by any means but maybe if I just wait a few more months (180 days?) It might be better. Maybe if I apply for a lower tier card, just to get a relationship, it might work better. I also have a home loan with a small bank that doesn't show up on any credit report, which may or may not be contributing.

Anyone have any more DPs on getting Amex AUS approval? Or can you GT ad a supplementary card holder?

Apply AU platinum card, you will get instantly approval in most cases.

 

[pyramidforce]

Apply AU platinum card, you will get instantly approval in most cases.

That's the one I applied for, I was rejected twice, last January and just this month.

Agent said try again in 90 days. Maybe I need to go a full 12 months without any applications and see if that affects anything.

 

[djchuckles]

Are you self employed? Sub 6 figure salary?

Post automatically merged: Oct 15, 2024

Are you self employed? Sub 6 figure salary?

 

[Triben]

Are you self employed? Sub 6 figure salary?

Post automatically merged: Oct 15, 2024

Are you self employed? Sub 6 figure salary?

Salary, but you should put min $100,000 to eligible.

 

[pyramidforce]

Are you self employed? Sub 6 figure salary?

Post automatically merged: Oct 15, 2024

Are you self employed? Sub 6 figure salary?

I am comfortably over 100k. but like most, Amex doesn't ask for proof for anything before just denying you. We are apparently being denied on other factors.

I finally managed to get my Equifax report. Both Ilion and Experian don't see my home loan with my small regional bank or my Amex enquiries, but equifax does. It has all my enquiries for the past 4 years and apparently 9 accounts opened in the past 2 years, including all the splits on mortgages and Ozbargain phone plans as separate.....inflating the number.

If Amex computer is just clamping down on Churners by a simple if accounts > 8 then deny or something, I'm going to have to wait for my phone plans and mortgage splits to fall off before I try again...

 

[djchuckles]

I am comfortably over 100k. but like most, Amex doesn't ask for proof for anything before just denying you. We are apparently being denied on other factors.

I finally managed to get my Equifax report. Both Ilion and Experian don't see my home loan with my small regional bank or my Amex enquiries, but equifax does. It has all my enquiries for the past 4 years and apparently 9 accounts opened in the past 2 years, including all the splits on mortgages and Ozbargain phone plans as separate.....inflating the number.

If Amex computer is just clamping down on Churners by a simple if accounts > 8 then deny or something, I'm going to have to wait for my phone plans and mortgage splits to fall off before I try again...

Interesting - I’ve got a decent discount on my Plat AF so i won’t cancel but my OH we cycle cancel and wait 18 months for a new referral and sign up bonus. She’s coming up soon so hopefully won’t have an issue - she’ll probably only go for QF Ultimate though

 

[Grrr]

Interesting - I’ve got a decent discount on my Plat AF so i won’t cancel but my OH we cycle cancel and wait 18 months for a new referral and sign up bonus. She’s coming up soon so hopefully won’t have an issue - she’ll probably only go for QF Ultimate though

How did you get the AF discount ?

 

[pyramidforce]

DPs on HSBC Premier

- Qantas Loyalty Mascot AU doesn't code as travel
- Some OTAs via Paypal code as travel. It looks like Mastercard/Visa can "read" the MCC even through paypal and it gets applied correctly anyway.
- Using it as Opal Card codes as travel


There is also a 25% Avios transfer bonus going on (to the avios flavours except Qatar) and 20% to AFKLM

 

[Daventry]

DP - received a letter from Citi with reason for rejection for Citi Strata Premier. “We couldn’t verify some of the information on your application“.
Should I bother ring them up?

 

[_TheTraveller_]

DP - received a letter from Citi with reason for rejection for Citi Strata Premier. “We couldn’t verify some of the information on your application“.
Should I bother ring them up?

Doesn't hurt.

Just as a reminder, there is a AU amex thread about rejections and applications so it would be best to post your questions there and have this thread focus on US cards.

You can get a discounted Amex Plat card via some professional associations.

 

[djchuckles]

DPs on HSBC Premier

- Qantas Loyalty Mascot AU doesn't code as travel
- Some OTAs via Paypal code as travel. It looks like Mastercard/Visa can "read" the MCC even through paypal and it gets applied correctly anyway.
- Using it as Opal Card codes as travel


There is also a 25% Avios transfer bonus going on (to the avios flavours except Qatar) and 20% to AFKLM

How long for? I’m nearly at my SUB spend

 

[Daventry]

Doesn't hurt.

Just as a reminder, there is a AU amex thread about rejections and applications so it would be best to post your questions there and have this thread focus on US cards.

You can get a discounted Amex Plat card via some professional associations.

Citi Strata Premier is a US card. Or was your comment addressed to someone else?

 

[_TheTraveller_]

Citi Strata Premier is a US card. Or was your comment addressed to someone else?

Not your comment. The few others above posting about AU Amex cards.

 

[levelnine]

DP - received a letter from Citi with reason for rejection for Citi Strata Premier. “We couldn’t verify some of the information on your application“.
Should I bother ring them up?

No harm in calling. Citi's ID verification can be arcane — they may want to send you a code to your mailing address.

 

[Finale]

DP - received a letter from Citi with reason for rejection for Citi Strata Premier. “We couldn’t verify some of the information on your application“.
Should I bother ring them up?

Definitely. Many people got the same rejection and recon line approved the app. I think it's one of the best rejection reasons.

 

[georgie23]

Applied for HSBC US Checking and got a email this morning asking for more info with some proof. Did anyone else get this or have suggestions?

I was planning on saying l
- travelling frequently to US
- looking at work opportunities and some real estate options
- paying bills and living expenses

Thanks



Thank you for your application for the HSBC US account. We are currently reviewing the application and in order for us to progress we will need documentation to verify the reasoning for opening an account in the United States.

These documents will need to verify the information that was provided on the application.

• If you own property or plan on own property in the U.S., we will need 1 (or more) of the following:
  • Proof of Mortgage application, Executed sales contract, Purchase agreement, Mortgage Statement, Tax bill
• If you are a student or plan to be student in the U.S., we will need 1 (or more) of the following:
  • Proof of Enrollment, I-20, US Visa (F or M), Class Schedule
• If you are employed in the United States, we will need 1 (or more) of the following:
  • Employment Letter, Paystub, US Work Visa

You can email these document to [email protected] with the application ID as the subject.

Please note that if we do not receive the requested information we will be unable to progress the application.

If you have any questions you can reply to this email and an agent will reply within 48 business hours.

Thank you for choosing HSBC

Digital Account Opening Support | Direct

Wealth and Personal Banking | HSBC Bank USA, N.A.

 

[djchuckles]

Applied for HSBC US Checking and got a email this morning asking for more info with some proof. Did anyone else get this or have suggestions?

I was planning on saying l
- travelling frequently to US
- looking at work opportunities and some real estate options
- paying bills and living expenses

Thanks



Thank you for your application for the HSBC US account. We are currently reviewing the application and in order for us to progress we will need documentation to verify the reasoning for opening an account in the United States.

These documents will need to verify the information that was provided on the application.

• If you own property or plan on own property in the U.S., we will need 1 (or more) of the following:
  • Proof of Mortgage application, Executed sales contract, Purchase agreement, Mortgage Statement, Tax bill
• If you are a student or plan to be student in the U.S., we will need 1 (or more) of the following:
  • Proof of Enrollment, I-20, US Visa (F or M), Class Schedule
• If you are employed in the United States, we will need 1 (or more) of the following:
  • Employment Letter, Paystub, US Work Visa

You can email these document to [email protected] with the application ID as the subject.

Please note that if we do not receive the requested information we will be unable to progress the application.

If you have any questions you can reply to this email and an agent will reply within 48 business hours.

Thank you for choosing HSBC

Digital Account Opening Support | Direct

Wealth and Personal Banking | HSBC Bank USA, N.A.

I just said investing - and source of funds would be my HSBC AU account

 

[georgie23]

I just said investing - and source of funds would be my HSBC AU account

thanks. - did you send any proof of anything - eg AU statement