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This. The annual fee is not outrageous, and you no longer need to jump through all the hoops you would when starting from scratch outside the US

So she got approved for C1 X with only 4 months of history with an ITIN ?!

I was ultra cautious with C1. US only (online) spend prior to receiving the physical card. Then physical card use in store, then Apple Pay, and now lots of virtual cards. It’s a great feature (virtual cards)

Pretty sure it was listed on the letter that the card was attached to Can’t remember what it asked

I was only able to activate my C1 via their IVR. The app verification failed when it detected a VPN, and when it detected an Aus IP

Up to 24h If the receiving bank takes part in RTP (like our NPP/Osko system), you can send up to $5k per day instantly (but only $2.5k per transaction)

They never asked for a US ID

Was never asked for anything other than Aus passport. No idea why they are doing this to you

I only have one checking account so far You're right - they probably want an ACH type payment as a minimum

If you just need a minimum deposit per month, why don’t you set up a virtuous circle of deposits ? Eg Amex -> Citi -> BoA -> Chase -> back to Amex etc

I'm fairly certain that they specifically say "Please do not apply again while this application is under review" after you submit your application To quote @DC3, Patience Grasshopper ?

One transaction seems to be sufficient

My recent (2nd) GT wouldn’t progress until I had a full 30d hsbc statement. A 7 day interim statement (after account opening) was rejected

I had my auto transferring in/out of Aus hsbc messed up by some weekends without me noticing. They sent me an email saying I had ?3 months to go back to adding $9k each month or they would remove Premier Side note - US HSBC premier is actually a very good checking account. No charges for (at...

Where have you noticed this ?

This is the issue The current administration has just allowed border/homeland security to access IRS records - unprecedented. I’m actually using a relative’s address - I also don’t want ICE breaking down their front door !! 1744766874 Thanks - I may give one of these a go

Have a go now. I didn’t go past the bit where it asks me to commit perjury as the final step

It now lets you put in either ITIN or SSN (says you can enter either) - same as Amex

Both Amex and C1’s online forms now end in a declaration as above (I certify I am a US citizen or person) I suspect all the banks have been told to tighten up account opening…

So you needed to go via live chat to apply rather than the online form ?