Strategy to obtain US Amex

[blacksultan]

If I were in your situation, given your recent account closures, I would cool it on Chase for at least 90 days. But there's no hard and fast rules. Really a question of risk tolerance. I know someone who opened a new card after getting their shutdown reversed and has been going okay, albeit at a slow spending pace.

If you are primarily interested in a 0% APR, consider an Amex BBP.

I got a message from Amex that the CL on my everyday will be reduced by $1000 as I have not used it for more then 12 months , too many enquiries in 12 months , FICO score dropped to 712 and high balance to limits on some accounts .is that normal ?

 

[pyramidforce]

At least you know what your FICO score is now!

I don't have personal experience, but I have definitely seen others saying that in the US your CL will get reduced if you don't use your card.

 

[levelnine]

I got a message from Amex that the CL on my everyday will be reduced by $1000 as I have not used it for more then 12 months , too many enquiries in 12 months , FICO score dropped to 712 and high balance to limits on some accounts .is that normal ?

Most credit providers do periodic soft pulls to make sure you aren't engaging in behaviour that is deemed suspicious (eg racking up lots of inquiries or new lines of credit). I wouldn't worry too much about it though. Good to use a card once every 12 months to keep it alive.

 

[DC3]

Most credit providers do periodic soft pulls to make sure you aren't engaging in behaviour that is deemed suspicious (eg racking up lots of inquiries or new lines of credit). I wouldn't worry too much about it though. Good to use a card once every 12 months to keep it alive.

Yes, certainly not worth throwing the cards into the sock drawer. At least put some small amounts on.

 

[US_Amex]

DP for using the $20 a month flexible business credit on the Amex Biz Gold card - I was able to use it at Staples by purchasing an Airbnb gift card online.

I read up a bit here and on Reddit / Flyertalk and found that they often place the order on hold to prevent fraud and sometimes can't verify you online so they ask you to come into the store to purchase the gift card.

I created an account on Staples using a VPN (US location) and entered my US number and address, and a few days later I logged in and purchased a $25 Airbnb gift card without a VPN (thought I'd do it this way so if they asked me to go into a store I would say I'm travelling overseas and want to use my Amex monthly credit).

I got the "your order is on hold" email the next day and in the email it said they needed more information to process my order and to call them, so I called up expecting a lot of verification questions but they just asked for my name and email address and I was then told it was approved and I should receive the voucher via email soon - it arrived about an hour later!

Statement credit of $20 posted. Hopefully the order next month with Staples just goes through now that I'm "verified", I will provide an update when I do it next month.

Might be just luck that I managed to get it working this way or if the above trick will actually work for most but thought I'd share anyway.

 

[zainman]

I applied for a Barclays Hawaiian card (70k miles) and they have asked me to fax Bank statement and Passport. Anyone use any online service that is reliable to fax?

Barclays now accepts ITIN which is how I was able to apply

 

[georgie23]

Pricing | Dropbox Fax

app.hellofax.com

Seem to be good run by dropbox

 

[zainman]

So my TextNow account that I’ve been using got disabled, possibly for using a VPN? Never been an issue before as I would use TextNow to make calls on VPN as I found they worked better than without VPN

What are the best alternatives and I wonder if I can keep my number?

Anyone has this happen to them?

 

[georgie23]

I use Tello and most seem to be doing that - easy to setup overseas - Red pocket and ultra are other options and some DP of them working with Chase - but not sure how easy they are to setup from overseas

 

[djchuckles]

I applied for a Barclays Hawaiian card (70k miles) and they have asked me to fax Bank statement and Passport. Anyone use any online service that is reliable to fax?

Barclays now accepts ITIN which is how I was able to apply

Welcome to 2006 Barclays!

Post automatically merged: Oct 28, 2024

Another vote for Tello. Has worked fine for verifixation codes for Amex and HSBC and have used 2-300 mins of calls via wifi calling from Aus to US banks

 

[levelnine]

So my TextNow account that I’ve been using got disabled, possibly for using a VPN? Never been an issue before as I would use TextNow to make calls on VPN as I found they worked better than without VPN

Did you pay for the number lock? I've been using mine without trouble for a long time now.

 

[zainman]

Did you pay for the number lock? I've been using mine without trouble for a long time now.

Yes. Paid for it back in 2021.. 4th renewal coming up.. not sure what triggered it. Was the best option for only $7.99 a year.

 

[levelnine]

Yes. Paid for it back in 2021.. 4th renewal coming up.. not sure what triggered it. Was the best option for only $7.99 a year.

Very disappointing news if they're coming for people using the service overseas. Maybe they've decided we're unprofitable as we don't get served any ads — when you use the service within the US, the app is bombarded with ads.

 

[blacksultan]

I applied for a Barclays Hawaiian card (70k miles) and they have asked me to fax Bank statement and Passport. Anyone use any online service that is reliable to fax?

Barclays now accepts ITIN which is how I was able to apply

Try e-fax

Post automatically merged: Oct 28, 2024

I applied for a Barclays Hawaiian card (70k miles) and they have asked me to fax Bank statement and Passport. Anyone use any online service that is reliable to fax?

Barclays now accepts ITIN which is how I was able to apply

Is it easy to get verified ? Will the card be sent to a forwarding address ?

 

[hill]

Hi all - lurking for a about a year now on this thread. info here has been invaluable along with some of the subreddits and forums to try and start on this journey.

Just had a question for you guys, has anyone recently encountered issues with the HSBC US cc application? They are asking for proof of income and mortgage payments.

Have got HSBC premier bank account in US, but address is still Australian, have got a mailbox in US and ITIN but waiting for IRS to complete address change before applying for AMEX via Nova. TIA

 

[DC3]

Hi all - lurking for a about a year now on this thread. info here has been invaluable along with some of the subreddits and forums to try and start on this journey.

Welcome to AFF

 

[pyramidforce]

Hi all - lurking for a about a year now on this thread. info here has been invaluable along with some of the subreddits and forums to try and start on this journey.

Just had a question for you guys, has anyone recently encountered issues with the HSBC US cc application? They are asking for proof of income and mortgage payments.

Have got HSBC premier bank account in US, but address is still Australian, have got a mailbox in US and ITIN but waiting for IRS to complete address change before applying for AMEX via Nova. TIA

I just gave them the details they asked for and everything was fine. My experience is that this is just a procedure they follow, not being vindictive towards applicants. Usually if you just do what they ask everything is fine.

 

[blacksultan]

Applied for the chase slate edge card .called into follow up . They asked me to drop into branch to provide identification documents . Does anyone have any idea for a solution ? If I do visit the US will dropping into branch to provide id docs help for all future apps ? I have previously been approved for 3 chase personal and 1 biz card .

 

[US_Amex]

Hi all - lurking for a about a year now on this thread. info here has been invaluable along with some of the subreddits and forums to try and start on this journey.

Just had a question for you guys, has anyone recently encountered issues with the HSBC US cc application? They are asking for proof of income and mortgage payments.

Have got HSBC premier bank account in US, but address is still Australian, have got a mailbox in US and ITIN but waiting for IRS to complete address change before applying for AMEX via Nova. TIA

I sent them my AU payslips when they asked for proof of income when applying for the HSBC US CC

 

[zainman]

Try e-fax

Post automatically merged: Oct 28, 2024

Is it easy to get verified ? Will the card be sent to a forwarding address ?

I have family in the USA so I use their address, never used a forwarding address etc.

My family has sent through the documents via fax for me so will keep you guys posted on how I go.

Just an FYI that they tried calling me a day after I submitted application and I missed the call and no voice mail was left. They then denied the application 24 hours later and only re-activated it once I called and spoke to someone in 'fraud' who asked me to fax the documents.

Fingers crossed.