Strategy to obtain US Amex

[DC3]

... Though most will tell you even it you do it that way it’s not assessedas a GT ..

Maybe some will tell you. . Possible conjecture as no real evidence is there?

 

[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

Just applied, and got approved. Thanks so much!

 

[djchuckles]

Just applied, and got approved. Thanks so much!

That’s amazing - what did you use? Passport number with two zeros? Or did you go down the GT route again?

Which card? And trust you got a sign up bonus?

 

[_TheTraveller_]

Saw upthread someone mentioned sign up for 3 bureau report with equifax and I can't believe it worked. I didn't work last time.

Edit: lol I got the cancellation email 10 mins after.

 

[qiaqia]

That’s amazing - what did you use? Passport number with two zeros? Or did you go down the GT route again?

Which card? And trust you got a sign up bonus?

Used GT again. (My first card was not approved straight away, I had to call them and confirm some information eg. address), This time was approved straight away.
It's a Marriott card, I have a few trips planned, status benefit helps.
Do have a signup bonus, not on the high side, but I don't have time to wait for a better bonus.
Thanks again for your reply and information!!!

 

[Voele]

I have another question about submitting my ITIN to HSBC.

The agent has forwarded me a W-8BEN form to complete and sign to link my ITIN to my HSBC account. Doing so would confirm several things to them in writing:
1) That I am a non-resident
2) The reason why I have a US mailing address (mail forwarder)

Additionally, since I have my US address set as my permanent residence address in my HSBC account, it would conflict with the information in the form that has my Aussie address.

So I wonder if it's smart to complete and sign this form and return it to HSBC or if this could cause problems down the road?

 

[Grrr]

For those who’ve successfully applied for a Cap1 card…

When they ask for proof of income (and to provide any of:

• Your two most recent consecutive bank statements
• Your two most recent consecutive pay stubs or earnings statements
• W‑2 and/or Form 1099 from the most recent tax year

Have you just submitted your Australian tax return ? Would that lead to any issues (eg requests for proof of US employment if the story is that you’ve just moved)

 

[georgie23]

I have another question about submitting my ITIN to HSBC.

The agent has forwarded me a W-8BEN form to complete and sign to link my ITIN to my HSBC account. Doing so would confirm several things to them in writing:
1) That I am a non-resident
2) The reason why I have a US mailing address (mail forwarder)

Additionally, since I have my US address set as my permanent residence address in my HSBC account, it would conflict with the information in the form that has my Aussie address.

So I wonder if it's smart to complete and sign this form and return it to HSBC or if this could cause problems down the road?

Just curious why you are giving ITIN to HSBC - are you planning on getting a credit card with them - if not - I am not sure of any advantages - maybe i'm missing something

I just made my mailing address US to give US address on statement as per DP in this thread

 

[djchuckles]

Just curious why you are giving ITIN to HSBC - are you planning on getting a credit card with them - if not - I am not sure of any advantages - maybe i'm missing something

I just made my mailing address US to give US address on statement as per DP in this thread

I did it to get the relationship saving account for the 3.5% interest

 

[pyramidforce]

Well well well

HSBC Reportedly Weighing Sale of Australian Retail Banking Unit | PYMNTS.com

HSBC is reportedly considering a sale of its Australian consumer banking operation. That’s one of the options before the British banking giant as it tries

www.pymnts.com

I wonder how the post HSBC world will work for address confirmation.

 

[georgie23]

I did it to get the relationship saving account for the 3.5% interest

Make sense - thanks

 

[djchuckles]

Well well well

HSBC Reportedly Weighing Sale of Australian Retail Banking Unit | PYMNTS.com

HSBC is reportedly considering a sale of its Australian consumer banking operation. That’s one of the options before the British banking giant as it tries

www.pymnts.com

I wonder how the post HSBC world will work for address confirmation.

Apart from the ease of opening accounts it’s a pretty cr@p bank. I’ve banked with them since they were Midland Bank in UK for over 40 years but won’t be too sad to see them go. They’ve been promising Osko / NPP for about 5 years.

 

[Voele]

Just curious why you are giving ITIN to HSBC - are you planning on getting a credit card with them - if not - I am not sure of any advantages - maybe i'm missing something

I just made my mailing address US to give US address on statement as per DP in this thread

I already have a cc with them. Reason to link is so that it links to my credit report correctly. But as you mentioned I wonder if its worth it.

 

[djchuckles]

I already have a cc with them. Reason to link is so that it links to my credit report correctly. But as you mentioned I wonder if its worth it.

If you’ve also got Amex it may not be worth it. In fact it may be worth not as you may find the HSBC one sneaks under the 5/24 radar….

 

[georgie23]

I already have a cc with them. Reason to link is so that it links to my credit report correctly. But as you mentioned I wonder if its worth it.

Make sense too

 

[Voele]

If you’ve also got Amex it may not be worth it. In fact it may be worth not as you may find the HSBC one sneaks under the 5/24 radar….

Exactly. I came to that same conclusion

 

[albyd]

I’m just in my way back from NY and catching up on everything. I thought my experience might be interesting to some.

I went to get my non driver ID so I could have another crack at applying with C1. Unfort I went on the wrong day though they checked and said my AU passport and HSBC US statement showing my NY address would have worked to get it.

I applied for a Citi checking account in branch and will look to meet the activity criteria to get the $325 bonus (the others were too high a commitment for me and I felt the FX risk might not be covered by the bonus. They would only let me open this account in branch even tho I’m already a Citi customer so good to tick this off.

I also went into a Chase branch and opened a checking account with $300 bonus so I’ll work on getting that when I get home.

The banker did tell me that they don’t accept the NY ID card so not sure if that also means C1 won’t.

I applied for CSP in branch and have the banker that helped me trying to push it through. Will be good to get it this time so the Ink business cards are then on my radar. Please remind me which Ink card is the one to get now?

Hope my experience is helpful.

I just wanted to provide an update on my experience and seek some advice.

Appears that:

• Chase:
  • have cancelled my internet banking - looking for ID verification - no longer works on website or the iPhone app - wants to re-cite my ID - wants to scan both sides - how do we do this if I'm trying to scan my AU passport?
  • Have approved me over the phone for CSP with a respectable CL. The agent who approved me (after I HUACA with a previous agent who couldn't send my verification text to TextNow when the automated texts have been getting through and asked some questions to which the answer was "no" to all) suggested I wait until I get my CSP - suggested I'd also receive a welcome email in a few minutes - been a few hours and nothing for a few hours now.
  • My deposit of $US500+ to trigger the activation credit for my new checking account showed up - I could see it before my online access was revoked.

My Question:
How do I proceed from here? I'm back in AU so don't want to go to a branch again. I don't want to inadvertently alert them to my location in AU either.

I'm thinking I'll need to suck it up and wait it out then try to register my CSP card if it arrives and hopefully then marry up my checking account with it in the process. I have hurt money in my checking account which I can't access plus I might have gotten approved for my card (the second agent asked me some security questions to which the answers were all "no" when the text couldn't be sent).

• Citi:
  • I've funded my new checking account and am trying to register it for online banking (to which I'll have to re-register my Citi CC as I can't do it the other way I'm told). It's trying to text and call TextNow with a verification code. I've previously been getting the call back with the verification codes from Citi. Neither text or call back is working.

Question:
How do I proceed here given that I've transferred nearly $US4K so it's a bit of $$ in $A - was meant to pay off my US CC's from this trip. Thought I'd kill two birds with one stone.

Might have to stop using TextNow and use T-Mobile from now on.

Keen to hear about anyone else's experiences here on how to proceed from here. TIA.

 

[djchuckles]

Anyone tried this? Kasheesh

I wouldn’t do it with the 2% fee but suggest they often have Cashback promos to offset that. Apparently many are using it for Costco and eBay (and I buy a lot of gift cards in Costco!)

 

[albyd]

Anyone tried this? Kasheesh

I wouldn’t do it with the 2% fee but suggest they often have Cashback promos to offset that. Apparently many are using it for Costco and eBay (and I buy a lot of gift cards in Costco!)

Thanks for sharing. I haven't tried it but would be keen to try it especially in AU where MC Debit is likely to have a more favorable reception (eg ATO). If using our AU issued AMEX cards, assuming it would include the customary 3% Foreign Transaction Fee? This might work for US issued cards with a rebate promotion though there would then be the currency risk.

 

[djchuckles]

Thanks for sharing. I haven't tried it but would be keen to try it especially in AU where MC Debit is likely to have a more favorable reception (eg ATO). If using our AU issued AMEX cards, assuming it would include the customary 3% Foreign Transaction Fee? This might work for US issued cards with a rebate promotion though there would then be the currency risk.

I like the ability to spread a large purchase across multiple cards. Could help with SUB spend