Strategy to obtain US Amex

[DC3]

after clicking view my FICO score on the Amex website, they gave me an "unable to process your request" error.

We all get that message now. It’s a bit of a nuisance as I liked being able to view the FICO score

 

[georgie23]

one day. I thought the confirmation said 21st but said 22nd and they strictly enforced the "no walk ins" policy.

Heading there in June - where did you book your appointment to get the ID please

 

[N0mad]

should my wife be able to see her US HSBC account on her AU App and website access?

Is there anything we can do to add it in or is it better to download the US app?

 

[georgie23]

should my wife be able to see her US HSBC account on her AU App and website access?

Is there anything we can do to add it in or is it better to download the US app?

You can link them up so that she can see the US balance on AU app and vice versa
Cant remember exact steps but very easy to do it search linking global accounts

 

[djchuckles]

GTed my first US Amex in July, I read somewhere after 6 statements were generated, I could see a FICO score, and then I could apply for 2nd Amex card over the phone.
I now have 6 x statements, but still no FICO score, do I have to get a ITIN for my second card?
Thanks,

Pretty sure Amex don’t show FICO to anyone anymore

Post automatically merged: Today at 2:07 PM

should my wife be able to see her US HSBC account on her AU App and website access?

Is there anything we can do to add it in or is it better to download the US app?

If you set up Global Transfer you can see both accounts in each countries app - I’d thoroughly recommnend setting up HSBC US online banking/app as well as AU one

 

[Ansett Nostalgic]

I didn’t get it unfort so will need to be another time. They open up appointment slots on Fridays for the week ahead and they tend to go very quickly especially for the more popular central locations. If you are a “resident” of NYC can get a non driver ID (guess it’s a little like the ‘proof of age’ card in NSW. You can only get it by:

• Being a resident of NYC
• Making an appointment and turning up in person; and
• Producing proof of residency (currently bank statement < 60 days old and AU passport currently suffice)

I was trying to do this as C1 wanted a US government issued ID document (and wouldn’t accept AU passport as government issued document) no matter how politely I asked.

Are there any DPs for others getting accepted by C1 other than by going down this route?

Chase said they don’t accept these documents but were fine with my AU passport. So YMMV.

Btw this is the site where I made my appointment:

IDNYC

Please report back if it works for you especially if it gets you to ‘yes’ with C1.

Might have to look into this on my next visit to NY.

 

[desafinado74]

It may be a regular call to assist with opening .
Reason for opening will be most important , with supporting proof for same .
also possibly local Malaysian address .
What is the benefit of a Malaysian account ?

Post automatically merged: Today at 1:02 PM

Try and link your ITIN to your Amex .

Thanks for replying, i am still waiting for their call (Nearly an hour late), pathetic. I think i will email the RM about this.

I am seriously considering to retire in Malaysia or Thailand when the time comes. So, that is my main reason for opening a Malaysian bank account.

 

[N0mad]

If you set up Global Transfer you can see both accounts in each countries app - I’d thoroughly recommnend setting up HSBC US online banking/app as well as AU one

yep trying now, unfortunately my wife was in Thailand when the account was approved and her 6 digit number which would have been sent via SMS has not been received.

i now need to prep my wife for a call to get it re-issued as it can't be done over chat without a SSN.

 

[GDale]

In case it's helpful to anyone else wanting to find out their credit score: if you submit a pre-approval request for the C1 Venture X and are rejected for it, you will receive an electronic letter in your email explaining the rejection along with your current credit score from Experian (edit: looks like may include other reporting agencies as well). The pre-approval process doesn't affect your credit score. Only works if you have an ITIN or SSN.

 

[nthd_nthd]

In case it's helpful to anyone else wanting to find out their credit score: if you submit a pre-approval request for the C1 Venture X and are rejected for it, you will receive an electronic letter in your email explaining the rejection along with your current credit score from Experian. The pre-approval process doesn't affect your credit score. Only works if you have an ITIN or SSN.

I saw my P2 Credit Score for TranUnion with Cap1 Rejection letter.

 

[djchuckles]

In case it's helpful to anyone else wanting to find out their credit score: if you submit a pre-approval request for the C1 Venture X and are rejected for it, you will receive an electronic letter in your email explaining the rejection along with your current credit score from Experian (edit: looks like may include other reporting agencies as well). The pre-approval process doesn't affect your credit score. Only works if you have an ITIN or SSN.

Good to know - just tried and got :

Andrew, we're sorry we can't pre-approve you at this time​

We'll reach out soon with more information about why we can't pre-approve you*. Your credit score has not been impacted.


Let’s see what comes in in the email - I am still of the belief that I may yet not have a score with any of the bureaus

 

[djchuckles]

As I thought :

Here are the reasons why we couldn't match you with an offer:


• Based on your credit report from one or more of the agencies on the back of this letter, credit bureau


information is missing or unavailable

 

[albyd]

Are you still in NYC / USA ?

If so, you can go to a Capital One cafe and ask one of the bank staff members to help you open a checking account and apply for a C1 credit card. I think it would be much easier if done in a branch. There are heaps of Capital One cafes in NYC.

By the way, when you opened the checking accounts with Chase and Citi, did they ask for any utility bills ? I assume you showed them your passport and a bank statement ?

And finally, when you go to your bank appointments, do you tell the tellers that you have an appointment ? Or you just sat down and waited to be called by the banker ?

I’m back in SYD agree, should have gone into a branch like I did for Chase and Citi. I’m regretting not doing just that although I don’t want another decline from C1 knowing that they want US government issued ID thought I might have gotten someone in the beach to advocate for me.

I’ve made the initial qualifying deposits for checking for both though I still can’t see the Citi account in the app or online banking so I hope my $$ haven’t done missing. Be prepared for it to take a good hour to get these accounts open. YMMV.

I just turned up and said I wanted to open a checking account and they got a banker to see me pretty much straight away. I think it’s the luck of the draw on that count.

 

[albyd]

Heading there in June - where did you book your appointment to get the ID please

I went to this site:

IDNYC

They release appointments every Friday - it’s literally the quick and the dead to get an appointment - especially at a location that’s convenient to where you’re staying. Please let us know how you go.

I produced my HSBC bank statement of <60 days to provide address and AU passport. Was told both were acceptable but to come back the next day for my actual appointment.

 

[georgie23]

Thank you
Will do

 

[qiaqia]

Pretty sure Amex don’t show FICO to anyone anymore

That's good to know, thanks.

Should I call and apply for my second card without ITIN/SSN? is 6-month credit history enough with Amex?

 

[djchuckles]

That's good to know, thanks.

Should I call and apply for my second card without ITIN/SSN? is 6-month credit history enough with Amex?

I got my second after 3 months without ITIN. Apply online and make sure you get one of the best sign up bonus links for whatever card you want. It’ll likely refer and you’ll have to contact them and provide some info (like passport). If you get a pop up saying no sign up bonus, find another link

 

[qiaqia]

I got my second after 3 months without ITIN. Apply online and make sure you get one of the best sign up bonus links for whatever card you want. It’ll likely refer and you’ll have to contact them and provide some info (like passport). If you get a pop up saying no sign up bonus, find another link

how did you apply online for your second card? did you global transfer twice or?
I just tried to apply online, and it asks for SSN or ITIN. "Please enter your Social Security Number or Individual Taxpayer Identification Number to continue."

 

[djchuckles]

how did you apply online for your second card? did you global transfer twice or?
I just tried to apply online, and it asks for SSN or ITIN. "Please enter your Social Security Number or Individual Taxpayer Identification Number to continue."

Log in. Go to cards in main menu. Apply. Actually that was for card 3. Card 2 I actually used the GT link again. Though most will tell you even it you do it that way it’s not assessedas a GT

If you can’t get passed itin- put passport number followed by two zeros. It’ll fail but tell them when you phone that you don’t have your itin yet

 

[qiaqia]

Log in. Go to cards in main menu. Apply. Actually that was for card 3. Card 2 I actually used the GT link again. Though most will tell you even it you do it that way it’s not assessedas a GT

If you can’t get passed itin- put passport number followed by two zeros. It’ll fail but tell them when you phone that you don’t have your itin yet

Thank you so much!!
Will try this now.