Strategy to obtain US Amex

[georgie23]

25% bonus to Avios from HSBC US if anyone's got a stash FYI, blew most of mine few months ago on Qsuite booking

Good way of blowing them

 

[DAC1]

Anyone had any success with a BofA checking account bonus?

The current bonus is $300 for direct deposits of greater than $2,000 within 90 days. I pushed an amount from Wise which has resulted in a bonus being credited, albeit of $228.

I haven’t had to submit a W8-BEN yet which is why I suspect they’ve withheld tax. Anyone else been in a similar position?

 

[blacksultan]

25% bonus to Avios from HSBC US if anyone's got a stash FYI, blew most of mine few months ago on Qsuite booking

What are the sweet spots benefits of using avios from Oz ,?

Post automatically merged: Saturday at 12:51 PM

Anyone had any success with a BofA checking account bonus?

The current bonus is $300 for direct deposits of greater than $2,000 within 90 days. I pushed an amount from Wise which has resulted in a bonus being credited, albeit of $228.

I haven’t had to submit a W8-BEN yet which is why I suspect they’ve withheld tax. Anyone else been in a similar position?

Did you open the account online from Oz ?

 

[DAC1]

What are the sweet spots benefits of using avios from Oz ,?

90k one way J to Europe on Qatar Q-Suites (or 85k for one way J to places like ATH and IST).

 

[georgie23]

Q suites is biggest use for me

 

[DAC1]

Did you open the account online from Oz ?

I opened in a branch in the US a few weeks ago

 

[N0mad]

what are the average number of Qsuites available as rewards, been flying mostly to Asia and always have at least 4 J on SQ which is what we need.

 

[wilflare]

really glad and grateful to have found AFF - just reading through the many posts in this thread affirmed that I'm not alone in some of my struggles.

I got my first AMEX US card via GT back in 2021. I recently got my ITIN and applied for the Marriott Bonvoy Brilliant and Bonvoy Business with it. However, it seems like the ITIN isn't being applied with my existing credit file from 2021 - I confirmed this with the AMEX Live Chat and AMEX Credit Bureau Hotline.

I've also uploaded my ITIN issuance letter + a copy of my Passport via the AMEX Document Center. the AMEX Credit Bureau says that they will take 24 to 48 hours to process and one/two billing cycles for it to be reported to the Credit Bureau.

so my question is how is everyone linking their ITIN to their AMEX account and/or credit file? it seems like there's been a change in the way it is supposed to be done.

hoping to get the ITIN updated to the credit file so I can start my Chase journey (looking at CSP - actually already applied but they looked at my ITIN and said my credit file is too thin which made me realise that my ITIN hasn't been linked successfully to my credit file from 2021).

 

[wilflare]

Saw this info burried earlier in this thread but thought I would update a DP for CAP1 360 chking account for benefit of others looking for some help

Applied for account online using US rental address
Used Tello number
Used Passpt number with 2 additonal numbers for SS
Completed app and then got screen to call in to provide more information for application
Called in and Rep sent link SMS to upload photo of passpt
Uploaded passpt photo
Rep approved and opened account while on phone
Got online access details emailed and just deposited some $ from Wise account
Updated mailing address to Anytime address

No previous credit history so now would be apply for Amex??

@mrblack could you share more about the "2 additional numbers for SS"

and how did you managed to get the OTP? I gave them my TextNow and T-Mobile numbers but they said they couldn't verify either against public records - which is odd considering I'm using these numbers for the Capital One Venture Rewards Card

 

[georgie23]

@mrblack could you share more about the "2 additional numbers for SS"

and how did you managed to get the OTP? I gave them my TextNow and T-Mobile numbers but they said they couldn't verify either against public records - which is odd considering I'm using these numbers for the Capital One Venture Rewards Card

I think it has to be a post paid number for it to work with Chase - not the prepaid MVO that most of us use. Have spoken to Chase about 6 times in last week and each time my Tello fails but they just ask you 2 generally questions that dont apply to you - I even had a rep call me back on my number to verify and then continue call

 

[prozac]

really glad and grateful to have found AFF - just reading through the many posts in this thread affirmed that I'm not alone in some of my struggles.

I got my first AMEX US card via GT back in 2021. I recently got my ITIN and applied for the Marriott Bonvoy Brilliant and Bonvoy Business with it. However, it seems like the ITIN isn't being applied with my existing credit file from 2021 - I confirmed this with the AMEX Live Chat and AMEX Credit Bureau Hotline.

I've also uploaded my ITIN issuance letter + a copy of my Passport via the AMEX Document Center. the AMEX Credit Bureau says that they will take 24 to 48 hours to process and one/two billing cycles for it to be reported to the Credit Bureau.

so my question is how is everyone linking their ITIN to their AMEX account and/or credit file? it seems like there's been a change in the way it is supposed to be done.

hoping to get the ITIN updated to the credit file so I can start my Chase journey (looking at CSP - actually already applied but they looked at my ITIN and said my credit file is too thin which made me realise that my ITIN hasn't been linked successfully to my credit file from 2021).

Welcome to AFF @wilflare

 

[DC3]

Welcome to AFF @wilflare

 

[US_Amex]

DP for Dell credit on the Amex Business Platinum, it works on Dell Canada site. If you have family/friends in Canada, you can buy something and send it to their place or to a mail forwarder and on sell on eBay.

All my orders on Dell USA were getting cancelled so Dell Canada is an option for those in the same boat as me.

 

[Finale]

really glad and grateful to have found AFF - just reading through the many posts in this thread affirmed that I'm not alone in some of my struggles.

I got my first AMEX US card via GT back in 2021. I recently got my ITIN and applied for the Marriott Bonvoy Brilliant and Bonvoy Business with it. However, it seems like the ITIN isn't being applied with my existing credit file from 2021 - I confirmed this with the AMEX Live Chat and AMEX Credit Bureau Hotline.

I've also uploaded my ITIN issuance letter + a copy of my Passport via the AMEX Document Center. the AMEX Credit Bureau says that they will take 24 to 48 hours to process and one/two billing cycles for it to be reported to the Credit Bureau.

so my question is how is everyone linking their ITIN to their AMEX account and/or credit file? it seems like there's been a change in the way it is supposed to be done.

hoping to get the ITIN updated to the credit file so I can start my Chase journey (looking at CSP - actually already applied but they looked at my ITIN and said my credit file is too thin which made me realise that my ITIN hasn't been linked successfully to my credit file from 2021).

Only Equifax records ITIN (as SSN). Depending on your address, Chase mightn't pull EQ.

Which Credit Bureau Does Chase Pull? - Doctor Of Credit

The credit bureau that chase will pull your credit from depends on your location. Below we have a complete list of the 51 states in the USA (including

www.doctorofcredit.com

If Chase pulls EQ and you have ITIN there, it may be easier but EQ does not list all my cards (can be good or bad). EX and TU are accurate.

How many personal Amex cards do you have now? If you have just 2 personal cards in 4 years, that's considered thin I believe. I remember Experian says some banks even think less than 4-5 is thin.

 

[blacksultan]

Only Equifax records ITIN (as SSN). Depending on your address, Chase mightn't pull EQ.

Which Credit Bureau Does Chase Pull? - Doctor Of Credit

The credit bureau that chase will pull your credit from depends on your location. Below we have a complete list of the 51 states in the USA (including

www.doctorofcredit.com

If Chase pulls EQ and you have ITIN there, it may be easier but EQ does not list all my cards (can be good or bad). EX and TU are accurate.

How many personal Amex cards do you have now? If you have just 2 personal cards in 4 years, that's considered thin I believe. I remember Experian says some banks even think less than 4-5 is thin.

Is having more cards considered ‘thick ‘ and always good ?

 

[Finale]

Is having more cards considered ‘thick ‘ and always good ?

Not always good I think. I have 15 active cards now (3 business) and no issue getting approved so far unless I opened too many accounts in a short time. I read on reddit recently that Chase rejected some apps due to having too much limit with them (based on income) and they didn't even want to move the limit around like in the past but YMMV.

 

[wilflare]

Only Equifax records ITIN (as SSN). Depending on your address, Chase mightn't pull EQ.

Which Credit Bureau Does Chase Pull? - Doctor Of Credit

The credit bureau that chase will pull your credit from depends on your location. Below we have a complete list of the 51 states in the USA (including

www.doctorofcredit.com

If Chase pulls EQ and you have ITIN there, it may be easier but EQ does not list all my cards (can be good or bad). EX and TU are accurate.

How many personal Amex cards do you have now? If you have just 2 personal cards in 4 years, that's considered thin I believe. I remember Experian says some banks even think less than 4-5 is thin.

thanks for the detailed reply @Finale (and for the welcomes)!

I have 4 AMEX Personal (3 credit, 1 charge) + 1 AMEX Business. Also managed to get Capital One Venture Rewards recently with my ITIN as well (but no luck with my 360 Checking as they require me to be in-person at the branch to open).

so my credit file should be alright I guess. Chase did mention something about Experian not being able to pull up my file (i.e. file is too new), Transunion saying it's too thin, can't remember what they said about EQ.

 

[georgie23]

4 Amex personal and 1 C1 - are you under the 5/24?
Not sure of timing of them
Edit - Just read and seems you are well clear of that issue - apologies

 

[djchuckles]

25% bonus to Avios from HSBC US if anyone's got a stash FYI, blew most of mine few months ago on Qsuite booking

Do the bonuses get any higher than this? And do they expire in Avois once transferred?

 

[albyd]

managed to get Capital One Venture Rewards recently with my ITIN

how did you manage that? They wanted me to get a local non-drivers ID as AU passport was insufficient.

Got approved for the business Spark 2x miles card. Even that one’s suspended pending review of additional documents I submitted for ID verification for suspected fraud and income verification. They seem for me at least difficult to get to ‘yes’ with.