Strategy to obtain US Amex

[Franko Costa]

Sept 2024: Open ABG; AF charged
Feb 2025: Upgrade to ABP; ABG AF prorated rebate; ABP AF prorated charge
Sept 2025: ABP AF full charge
Feb 2026: Downgrade to ABG via chat; ABP AF prorated refund; close ABG

If you go to cancel, can you ask the CSR if there will be any clawback? Will they know?

 

[prozac]

The past week I have not able to understand recent posts due to use of acronyms. Is there a list of acronyms used specifically in this thread?

 

[levelnine]

If you go to cancel, can you ask the CSR if there will be any clawback? Will they know?

Yes. No.

If you're playing any sort of games with a bank, the fewer eyes on your account, the better.

 

[djchuckles]

Looks like some
New Hilton offers coming. 130k + FNC on surpass and 70 + FNC for Free card!

 

[maverick1]

Looks like some
New Hilton offers coming. 130k + FNC on surpass and 70 + FNC for Free card!

Nice. Any NLL links that you may have found?

 

[djchuckles]

Nice. Any NLL links that you may have found?

Not yet

 

[N0mad]

quick question re: US Global notary service
It says to gather both primary and secondary identification, my secondary was my emailed PDF mortgage statement. Will i need a print out or will the PDF online suffice?

I obviously have physical passport so that won't be an issue.

Appointment is Sat morning so just trying to get it all in order.

 

[georgie23]

I printed it out but they didn’t look at it at all
They used the pdf version i had uploaded
Just looked at passport

 

[DC3]

quick question re: US Global notary service
It says to gather both primary and secondary identification, my secondary was my emailed PDF mortgage statement. Will i need a print out or will the PDF online suffice?

I used my vehicle insurance policy document as the secondary, holding up a printout to the notary so as the name and address was showing. I was asked to show both IDs.

 

[N0mad]

ok that's frustrating, will try and print it out in case.

I don't even remember which month i uploaded either. hopefully doesn't matter

 

[ithongy]

Just wanted to clarify this…

With that hypothetical $15k limit, would the banks look unfavorably on you spending eg $15k, then paying the balance down, then spending another $15k, and paying it down to leave a $1k balance before the statement period ends ?

Say you have a $15k limit on your card. Make a $10k purchase you are utilizing 75% of your credit utilization. You can straight away pay off $5k that will keep you to 30% utilization. To keep credit utilization lower other will just pay $9k so end of month statement, there is only $1k (or less than 10%) of credit utilization.

Post automatically merged: Yesterday at 4:30 PM

I'm not intelligent enough to figure out how to MS with Fluz. Buying GCs and then reselling them on dodgywebsite.com is the best I can come up with but is so absurd it can't possibly be right.

Do not MS if you have Amex…!!! They have a whole department cracking down on people who MS.

 

[ithongy]

If you go to cancel, can you ask the CSR if there will be any clawback? Will they know?

What’s the reason for cancelling? Ask for a product change to a Freedom card that has no annual fee. This will be a better outcome long term for your credit rating.

 

[DC3]

I don't even remember which month i uploaded either. hopefully doesn't matter

The notary was just checking the name and address, on the secondary, from what I saw.

 

[N0mad]

The notary was just checking the name and address, on the secondary, from what I saw.

so do you know if it's possible to share a document or screen share to show this rather than printing?

 

[georgie23]

so do you know if it's possible to share a document or screen share to show this rather than printing?

Im sure you will be able to hold up your phone if its a pdf on the screen if for instance you have a laptop
Screen sharing - they could do as far as I could remember - not sure if you could share

As @DC3 mentioned I have done it a few times and GE ones didnt look but other companies did just glance at it - a 3 second glance

 

[DC3]

so do you know if it's possible to share a document or screen share to show this rather than printing?

I cant recall. You would already have an email address where clarification could be sought if you want. This is what I received:

 

[georgie23]

Nice. Any NLL links that you may have found?

No Lifetime Language (NLL) Offer for Hilton Honors Cards

Check out these NLL offers for all three Hilton Honors consumer credit cards. Earn big points bonuses even if you have the card in the past.

dannydealguru.com

 

[desafinado74]

To those of you who have a BofA (Bank of America) credit card, can you check your Fico score on the website / App? Or only SSN holders can check them ?

 

[djchuckles]

No Lifetime Language (NLL) Offer for Hilton Honors Cards

Check out these NLL offers for all three Hilton Honors consumer credit cards. Earn big points bonuses even if you have the card in the past.

dannydealguru.com

Watch out - these are NOT the elevated offers with the FNC on free and Suprass - not yet at least

 

[Grrr]

Interesting how random the address verification requirement is for a GT...

With my GT last year, they initially asked for it, then with HUCA, just verified my Aus card number and approved it.

With my wife's first GT they haven't budged with repeated HUCA

I uploaded an interim banking statement hoping that was enough (about 7 days), but they have not budged on their 25 day requirement

Am I better off waiting until this GT application expires and starting again, or should I try and upload another bank statement once a full statement is issued ?