Strategy to obtain US Amex

[nthd_nthd]

Bad News this morning for me. Woke up to see 2 missed calls from Amex and voice messages. They block my new 1 month old Biz Gold for FR- Suspended all my cards even personal cards, Questioning me about my business and where and how and why I have charges from construction company (for solar) and oversea charges. Now they want to see my 2 month bank statements. Not sure what else but my deadline is 19 Nov.

 

[djchuckles]

Anyone with a checking account have you got Oct statement yet - this is only my second month of that and my Sep one came on 3rd of Oct and was hoping to have the Oct one by now as a proof of address to show Amex for current application - thought by 5th of month it would be out

Did you have any transactions in last month? If not, no statement

 

[levelnine]

Bad News this morning for me. Woke up to see 2 missed calls from Amex and voice messages. They block my new 1 month old Biz Gold for FR- Suspended all my cards even personal cards, Questioning me about my business and where and how and why I have charges from construction company (for solar) and oversea charges. Now they want to see my 2 month bank statements. Not sure what else but my deadline is 19 Nov.

With FR, the main thing they're interested in is that you have the income/assets to pay off your cards — what you're actually charging to the card is of minor importance. Generally first level FR is 2 months of bank statements and pay stubs. Once you upload them to the portal, call straight away — they might be able to clear it on the phone.

 

[georgie23]

Did you have any transactions in last month? If not, no statement

About 15 transactions on it so definitely should be one coming

 

[nthd_nthd]

With FR, the main thing they're interested in is that you have the income/assets to pay off your cards — what you're actually charging to the card is of minor importance. Generally first level FR is 2 months of bank statements and pay stubs. Once you upload them to the portal, call straight away — they might be able to clear it on the phone.

Where do I get pay stub please? Australia?

 

[levelnine]

Where do I get pay stub please? Australia?

Just use your Australian income pay slips if they request pay stubs.

 

[zainman]

I got that one too although they only gave $1k limit which was annoying.

Did you have to fax things? What was the process after that? I haven't heard anything back yet.

 

[blacksultan]

Yes

Don’t you have to wait 30 days before you apply in the US ? Can one apply for the credit card at the same time as the checking account ?

 

[georgie23]

I put an application in before my 30 days previously and was rejected as not premier - I used same one with letter to show was premier - just put P2 on weekend and mine last night
Will advise
I didn't apply for the credit card

 

[georgie23]

Did you have any transactions in last month? If not, no statement

Just clarified with Amex online - statement comes out by 7th the month after so a few more days
The credit card statements seem quicker

 

[mike0430]

Hi All, I wonder which card would be best as first card for amex GT. I am knee on Platinum personal charge card with 175k sub, however, I am not sure if charge card would help me to build up credit history in US at all?
I am planing to apply with ITIN too hopefully it gets uploaded to credit bureaus.