Strategy to obtain US Amex

[DC3]

I already got Amex card in US with global transfer

Welcome to AFF

 

[nthd_nthd]

Good thing about being rejected - seeing my FICO Score. 3 recon still cant overturn the result.

 

[Grrr]

seeing my FICO Score.

For those who have access to a score, or who have had a card approval/rejection recently, it would be interesting to hear what your scores are, and how long you’ve had a credit history in the US for…

I’ve only had a history for about 6 months, and my score on a recent approval was about 680 as well…

 

[Ko0l]

My score was always over 780 since I had my first card 4 years ago. Dropped to 710 - 760 after applying for a few more last year.

I don't use the cards much though. Utilisation usually 0 - 4%. 4% will drop my score to 710s and 0% will push it back up to 760.

 

[nthd_nthd]

For those who have access to a score, or who have had a card approval/rejection recently, it would be interesting to hear what your scores are, and how long you’ve had a credit history in the US for…

I’ve only had a history for about 6 months, and my score on a recent approval was about 680 as well…

My history is about a year or less.

 

[lunne]

can get them to scan for free and confirm if card - if so you can then choose shipping options - If card that you want middle option feels expensive but at least traceable
If Amex could ask them to ship to Aust too

did you receive an approval email already? It could be a request to call them to verify your name, i had to upload passport and bank statement for P2.

as mentioned, you should have 25 free scans per month so just request this before sending. usually takes a couple of hours for them to scan but i've usually requested this morning Sydney time. not sure of later in the day could delay it.

Thanks @georgie23 and @N0mad, I asked them to first scan it and indeed, it was the card!

If its a card delivery then you would have received some sort of email from Amex saying your card has been shipped? If not, call Amex and check on app status.
If it indeed its the card that has been delivered then ask US Global mail to destroy/discard the package.
Call Amex on the 11th day (not sure if it biz days or calendar days) after card approval, ask them to ship card overseas as you are travelling.

My advice from my meagre experience is the mail forwarding won’t touch your card for fraud / privacy requirements. But they can forward the letter. Now ask yourself how much do you really need to spend? 9$ is sometimes very quick and is ideal if your not bothered by potential delays. I have used FedEx and they quote 4-5 days but it can be longer. DHL - used to be much cheaper. Hope it helps.

Thanks @maverick1 and @COC, as I'm not in a rush, I've asked them to ship to AU with USPS. If it doesn't show up in the next 2 weeks, I'll follow advice from @maverick1 and ask Amex to ship it to AU as I'm "traveling".

Many thanks to everyone who chimed in with helpful advice!

 

[Grrr]

ask Amex to ship it to AU as I'm "traveling".

Will they do this no questions asked for a first GT ?

Or do you have to go down the notary path ?

 

[nthd_nthd]

Will they do this no questions asked for a first GT ?

Or do you have to go down the notary path ?

Notary when I had it GT

 

[georgie23]

Notary when I had it GT

Agree first one Notary - just completed for P2 last night

 

[N0mad]

Thanks @georgie23 and @N0mad, I asked them to first scan it and indeed, it was the card!

that's awesome, did you need to call or upload any docs prior to approval? Also, no email re approval or card been posted?

I've had terrible luck, had to call, upload docs and now i have a very slight address mismatch with HSBC show APTxx_x and Amex PMBxx_x. will need to call to try and sort out.

 

[lunne]

that's awesome, did you need to call or upload any docs prior to approval? Also, no email re approval or card been posted?

I've had terrible luck, had to call, upload docs and now i have a very slight address mismatch with HSBC show APTxx_x and Amex PMBxx_x. will need to call to try and sort out.

I did a three-way call with Amex and Chase, where Chase confirmed that my address on their record was the same as the address I applied with. Amex approved me on the call.

 

[DC3]

… mismatch with HSBC show APTxx_x and Amex PMBxx_x. will need to call to try and sort out.

PMB is never a good look. How did that get that so wrong?

 

[N0mad]

PMB is never a good look. How did that get that so wrong?

rookie error, i recall seeing it discussed previously but unfortunately completely forgot about it when applying. first GT and US card

 

[N0mad]

PMB is never a good look. How did that get that so wrong?

rookie error, i recall seeing it discussed previously but unfortunately completely forgot about it when applying. first GT and US card

good news, was able to sort it our over the phone and was approved.

 

[DAC1]

Anyone had any experience setting up an NRA checking account with PNC Bank?

Some reports on reddit seem to suggest they are quite NRA friendly and I now have a long enough layover at ORD in a few weeks time so I might try and set one up.

 

[ithongy]

Getting credit is harder to obtain and interest rates has gone up for auto loans.

Factors as income, credit to debt ratio, average age of account(s).

Heard people with Fico scores of 700+ getting interest rates of 10% for auto loans in USA.

Good thing about being rejected - seeing my FICO Score.

3 recon still cant overturn the result.

View attachment 437122

 

[maverick1]

looking for ideas and help. There is an award availability that we were monitoring on Alaskan open up last night.
Me and my partner have enough points to book the 3 tickets that we need but unfortunately neither of the accounts have enough points individually to book more than 1 ticket so we need to pool our miles.
I need to transfer Hawaiian miles to my partner’s account since they are short by a lower amount.
They are an AU on my Amex but haven’t met the 90 day AU requirement before I can link their Hawaiian account for them to transfer the miles directly. Requested Amex to allow that as they are a week or 2 away now but they didn't allow.

HA to HA have free transfer for their credit card and bank debit card holders I tried to open a checking account with them but was declined.

I understand if someone has a credit card or debit card with them they can receive and transfer HA miles for free?

Is my understanding correct If I were to transfer my miles to someone holding the required HA cards I can send them points for free for them to transfer those points to my partner’s account without any fee? Any here who could help please?

Edit - and 2 of those 3 tickets are gone....so close yet so far....

 

[nthd_nthd]

looking for ideas and help. There is an award availability that we were monitoring on Alaskan open up last night.
Me and my partner have enough points to book the 3 tickets that we need but unfortunately neither of the accounts have enough points individually to book more than 1 ticket so we need to pool our miles.
I need to transfer Hawaiian miles to my partner’s account since they are short by a lower amount.
They are an AU on my Amex but haven’t met the 90 day AU requirement before I can link their Hawaiian account for them to transfer the miles directly. Requested Amex to allow that as they are a week or 2 away now but they didn't allow.

HA to HA have free transfer for their credit card and bank debit card holders I tried to open a checking account with them but was declined.

I understand if someone has a credit card or debit card with them they can receive and transfer HA miles for free?

Is my understanding correct If I were to transfer my miles to someone holding the required HA cards I can send them points for free for them to transfer those points to my partner’s account without any fee? Any here who could help please?

Edit - and 2 of those 3 tickets are gone....so close yet so far....

Yes, Free if holding Hawaiian CC.