Strategy to obtain US Amex

[pyramidforce]

So this deal states you get 25 elite night credits within 60 days of opening. If the card automatically gives your plat elite status (50 stays) would the extra 25 not move you up into Titanium Elite status (75 stays)?

Edit: I just read about this on reddit and no you dont get titanium status automatically. You'd still need 50 stays on top of the gifted 25.

​

If you really want to "farm" titanium status you could (assuming no changes)
1. Get Bonvoy Brilliant - 25 nights
2. Get Business Bonvoy card - 15 nights
3. Sign up for double elite night offers and/or similar, (there is one active right now IIRC) and go spend 18 nights at a moxy or something

The good news is that I think these nights also count for lifetime status, so in ~10 years you will get lifetime platinum for ~8000 USD which may or may not be worth it depending on how often you actually need to stay at a Marriott vs just want free upgrades once a year

 

[QF_Flyer]

FYI, the Dunkin app on the Aussie store is UK based, as well as others (US one is unavailable)

Ahh, I think as DJchuckes did, I've used the US App Store, which explains it - it's on my work phone, which I change the App Store login on to suit whatever I need, so that makes sense.

 

[djchuckles]

ABG declined as they couldn’t validate my SSN (likely because I only have an ITIN). Uploaded my CP565 and passport so fingers crossed.

Prior app had me in PUJ but this one (via referral for 200k) made no mention of not being eligible. So if they do approve is it safe to assume I will get the SUB offer?

Also with the 0% APR, can I select multiple purchases to go into pay over time? My plan is to put 13 weeks rent through it (weekly) which will cover well over half the SUB spend requirement

 

[georgie23]

Generally if no popup to let you know not eligible your good
Can always chat to customer service to confirm - I have done that before and they will give you bonus spend and time requirements

 

[djchuckles]

Generally if no popup to let you know not eligible your good
Can always chat to customer service to confirm - I have done that before and they will give you bonus spend and time requirements

Yeah cool thanks - will do that.

Any reason to believe a payment to Deft (shows up as below) wouldn’t be eligible?

 

[georgie23]

Yeah cool thanks - will do that.

Any reason to believe a payment to Deft (shows up as below) wouldn’t be eligible?

can't see why not - you were eligible for hilton points so should be good for MR

 

[zainman]

ABG declined as they couldn’t validate my SSN (likely because I only have an ITIN). Uploaded my CP565 and passport so fingers crossed.

Prior app had me in PUJ but this one (via referral for 200k) made no mention of not being eligible. So if they do approve is it safe to assume I will get the SUB offer?

Also with the 0% APR, can I select multiple purchases to go into pay over time? My plan is to put 13 weeks rent through it (weekly) which will cover well over half the SUB spend requirement

Usually it's not a decline straight away but an email asking to call them, I've never been declined immediately for lack of SSN. Always an email or a phone call to say please confirm you actually applied and then CP565 and passport

Yeah cool thanks - will do that.

Any reason to believe a payment to Deft (shows up as below) wouldn’t be eligible?

DEFT is eligible, met tons of MS requirements for SUB using DEFT on USA AMEX cards.

 

[djchuckles]

Usually it's not a decline straight away but an email asking to call them, I've never been declined immediately for lack of SSN. Always an email or a phone call to say please confirm you actually applied and then CP565 and passport



DEFT is eligible, met tons of MS requirements for SUB using DEFT on USA AMEX cards.

It wasn’t a straight decline - missed a call overnight so went to the app status site and then it asked me to confirm my SSN, so i put my ITIN in and then a minute or so later i got a ‘we’ve reached a decision’ email. Going back to app site it said the application is cancelled but can be reinstated by confirming SSN and asked me to upload or call in - so i uploaded the CP565

 

[zainman]

It wasn’t a straight decline - missed a call overnight so went to the app status site and then it asked me to confirm my SSN, so i put my ITIN in and then a minute or so later i got a ‘we’ve reached a decision’ email. Going back to app site it said the application is cancelled but can be reinstated by confirming SSN and asked me to upload or call in - so i uploaded the CP565

Yep. Same thing happened to me yesterday for a ABP. looks like they do this for the biz cards.

Private card (Bonvoy Brilliant card) got approved immediately.

 

[nthd_nthd]

Got a new Credit Line offer for Savor One with Cap 1 - 3% cash back everywhere - it's so good for us - that not living in U.S - but not likely to apply as sitting at 5/24. Really need to get more points for hotel so gotta behave.

Applied for Cap1 360 Checking account with 2 Direct Deposits for $300 bonus. Have anyone done this and got Bonus Please? Is Wise transfer working? Or should I do IBKR?

 

[georgie23]

Got a new Credit Line offer for Savor One with Cap 1 - 3% cash back everywhere - it's so good for us - that not living in U.S - but not likely to apply as sitting at 5/24. Really need to get more points for hotel so gotta behave.

Applied for Cap1 360 Checking account with 2 Direct Deposits for $300 bonus. Have anyone done this and got Bonus Please? Is Wise transfer working? Or should I do IBKR?

How did you apply for Checking - I tried recently and got message as ITIN holder needed to do in branch in person

Capital One $300 Checking Bonus - Doctor Of Credit - the comments may suggest what works

one of comments "Some banks use real time payments (RTP) network which includes a lot of big banks. Wise does it when possible. C1 is very lenient so I would just do 2 ACH pushes from another bank and will work"

 

[nthd_nthd]

How did you apply for Checking - I tried recently and got message as ITIN holder needed to do in branch in person

Capital One $300 Checking Bonus - Doctor Of Credit - the comments may suggest what works

one of comments "Some banks use real time payments (RTP) network which includes a lot of big banks. Wise does it when possible. C1 is very lenient so I would just do 2 ACH pushes from another bank and will work"

I have been Credit card holder with them since March 2024 - could be that's why. I remember when I had their CC I tried to set up Checking account as well but could not proceed -

Just did a Wise transfer and read on DOC - real time transfer - may not working. So probably have to do IBKR

 

[georgie23]

I have been Credit card holder with them since March 2024 - could be that's why. I remember when I had their CC I tried to set up Checking account as well but could not proceed -

Just did a Wise transfer and read on DOC - real time transfer - may not working. So probably have to do IBKR

Could be that you are a customer
Good luck - hope it works

 

[djchuckles]

This is concerning

Is there any point fighting it? If not, can I cancel my card before the fee lands (only had it a few weeks)

 

[djchuckles]

This is concerning

Is there any point fighting it? If not, can I cancel my card before the fee lands (only had it a few weeks)

Oddly I pushed a little more on the chat and now a different agent says there is an offer but it hasn’t updated but will do after my first statement. I asked her to confirm in writing to which she said she could not but claims to have left notes on my accounts and has provided a 4 digit chat reference number! I guess worst case that at least gives me reason to raise a complaint if by July they renege.

Assuming my ABG comes through my plan is to diver all spend to that for 3 months - and then use the remaining 2.5 months to do the rest of my Aspire spend (about $4k)

 

[djchuckles]

This is pretty decent - 100k for $99 and $5k! https://frequentmiler.com/united-business-card-excellent-100k-welcome-offer/

Shoudn’t take a 5/24 slot either

 

[Finale]

Got a new Credit Line offer for Savor One with Cap 1 - 3% cash back everywhere - it's so good for us - that not living in U.S - but not likely to apply as sitting at 5/24. Really need to get more points for hotel so gotta behave.

Applied for Cap1 360 Checking account with 2 Direct Deposits for $300 bonus. Have anyone done this and got Bonus Please? Is Wise transfer working? Or should I do IBKR?

Revolut worked for me both times they offered it but that was a few years ago. Wise might work.