Moving to a different country AMEX.

[Anonymous]

Sorry guys couldn’t find a thing about my questions. I’m planning to move to a different country but could still use the benefits my new Amex Plat gives me (flights, lounges) I still have an account and money in the US so paying is not a problem.
1. If I move do I need to tell Amex? They recently asked for proof of identity and asked me to send my id via NotaryCam and cleared everything.
2. Do I change my number (main number) to my new number in the Philippines? In case they try to contact me.
3. Will moving and still using my US card give me problems in the future?
4. If anyone had any experience with this I would appreciate the feedback.

[DoctorManhattan]

You should give them a call you may need to apply for a new card I just don’t believe the Philippines is in AMEX list of countries. Here is some further info https://www.americanexpress.com/us/customer-service/global-card-relationship/

[busted2]

U.S issued Amex may expect you to be domiciled in the U.S. for various compliance issues. FTN up to a year has worked perfectly. Permanent is tricky. A foreign number and address may be expected to be temporary. Ideally keep proof of a U.S address and a U.S phone number. BDO issues Amex in the Philippines so it exists there natively. You can use Amex only in a very few places the upper middle to affluent would tend to be. If you lawfully can, maybe keep a U.S address and rotate two non-FTF cards from different issuers. Report a travel notification every six months between them. Make sure 2FA will work with your specific situation overseas, too. My suggestions is you want to keep far superior U.S/Western issued cards. A strategy is in order that should include V and MC, imo. Best wishes.

[ldkcivilservant]

Take out a PO box and move the card there if you are not maintaining a US based home.

[Anonymous]

Thank you Sir! I am new at this what does “FTF” “2FA” mean?
I’ll still have a US address and will probably go to the US once a year for vacation.

[busted2]

Foreign transfer fee which will be an incredibly important issue you hopefully want cards that charge no FTF. Two factor authentication is that extra security measure typically indicated by a text or email telling you to enter a verification code. Since you probably will not have a functional U.S phone get an idea how it is implimented, if at all, by your creditors. Any options and work arounds for 2FA before you go. And I learned the hard way at Disney in Asia. Please pay in native currency. They may offer a choice to pay in PHP or USD. Always pesos. Dynamic currency conversion is a fancy way to rob you about 5% in fees, imo. When you go back home use the cards that you used in Asia. Anecdotal but it helps show U.S domicile. "See Mr. Algorithim I swipe my card at home I am not perminately away. Please be nice to me."

And no problemo, I could never help you as much as so many have helped me. 👍🏻

[Anonymous]

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@busted2 wrote: And I learned the hard way at Disney in Asia. Please pay in native currency. They may offer a choice to pay in PHP or USD. Always pesos. Dynamic currency conversion is a fancy way to rob you about 5% in fees, imo. 

And not just in Asia. Regardless of where you are or the circumstance, no one offering to let you pay in a non-local currency is out to do you a favour. When I shop amazon.ca I have to pretend my cards are Canadian despite the US billing address or they'll "help" me by converting to US dollars.