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With the AUD so coughpy, is anyone still putting spend on US cards just for multipliers (eg 3x for travel) after the SUB has already been attained ?

What did you put down as your answers ?

Hmm As part of setting up the C1 checking account, it asks "Have you been notified by the IRS that you're subject to backup withholding" (No) "Here is the W-9 form that we generated based on your responses Under the penalties of perjury, I certify that: ... 3. I am a US citizen or other US...

For those who have opened checking accounts with cash offers, how have you successfully done the 2 required deposits ? C1 emailed me an offer, but it specifically says “Wire transfers, ACH credits, and funds transfers initiated using Capital One’s website or mobile app are not considered a...

I had uploaded the interim (7d) statement and waited a week before calling…

Yes a few of us have got that letter. I think we’ve all ignored it, and so far so good

No choice at this point; question is do I wait until this application expires and start afresh, or tack it onto the end of the current application

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...

Ok So for that $15k limit, is it best not to get close to that limit during the month, or does it not matter as long as you pay it down to <30% before the statement issue ? This is all a bit foreign for me where I've never had any issue in doing what I want with credit here in Aus (the banks...

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 ?

I stand corrected :)

I'm pretty sure Amex is unlikely to deliver your first US card to Aus...

Didn’t work for me either. Said this card (Hilton Honors) is not available to show details… I wonder how they decide which to show and which not to

What happened to the First Rule of Fight Club ?!

This only sort of makes sense if you are using public wifi... The problem is you get enough people doing dodgy stuff on the same endpoint you're using, and it gets flagged - hence the banks' attitude

One interesting DP - I had used a US VPN when signing up for the card and then when getting online access with the C1 app. However it wouldn’t let me activate the card when the VPN was active (asked me to call a number ‘for my security’), and I noticed that it sent a 2FA code every time I...

Did you have to ask, or did they offer ? Did you credit cycle or just spend $500/month ?

Thanks but it's actually not exciting at all - they have given me a $500 credit limit as it's the VentureOne ('for good credit' = no credit) ! Makes sense as their approval letter stated that they couldn't find a credit file for me with any of the 3 agencies. This also makes sense as my ITIN is...

Is Cap1 particularly overzealous with account shutdowns for fraud ? New account, new card. Activated via their phone IVR service. Should I wait until the physical card is sent over and do some in person transactions with the physical card before trying to connect it with Apple Pay or using...

Hoping for some P2 related advice here… I referred my wife for an Aus Plat around 6 months ago while there was a 275k referral. I don’t want to pay almost $3k in annual fees for 2 platinums, but now have a fair chunk of Amex MR ‘stranded’ in her account. I had originally planned for her to GT...