Strategy to obtain US Amex

[levelnine]

BOA has been a PITA. I tried applying again within 30 days so that they can use the same hard pull. I have between 5-10K in a checking account with BOA but it hasn't helped. My checking account was setup correctly as a NRA with my residency set in Aus. They can clearly pull my credit report because the letters requesting docs have shown a FICO score.

Both applications ended up with BOA requesting ID docs and payslips. I mailed these documents to them from Aus to see what happens so lets see...

If the application fails, it may be worth trying again in a few months. Their processes are inconsistent.

I applied for a BOA checking account a few months ago. Said I needed to go into branch to prove identity.

Applied again this week after being approved for a Premium Rewards Elite credit card, and was instantly approved for the checking account.

 

[albyd]

Citi? I've heard Chase being lock happy so they don't recommend having a Chase checking account linked with your credit cards

Chase locked all my accounts and wanted me to come into the branch as I’d used a VPN. The guy at the branch who is opened them with remembered me and got them unlocked. I now use Chase without a VPN for both the app and website. They send me a code via text to my TextNow number and I can get in. I’ve noticed Chase and C1 don’t like VPNs and they know when we’re using them. Citi & Amex are ok atm at least for me. YMMV.

 

[blacksultan]

If the application fails, it may be worth trying again in a few months. Their processes are inconsistent.

I applied for a BOA checking account a few months ago. Said I needed to go into branch to prove identity.

Applied again this week after being approved for a Premium Rewards Elite credit card, and was instantly approved for the checking account.

Without visiting a branch ? Remotely ? Checking account ?

 

[levelnine]

Without visiting a branch ? Remotely ? Checking account ?

No branch visit. Using a US residential IP. Yes, checking account & credit card.

 

[blacksultan]

No branch visit. Using a US residential IP. Yes, checking account & credit card.

Thanks . Is the premium rewards elite card of extraordinary value ?

 

[_TheTraveller_]

If the application fails, it may be worth trying again in a few months. Their processes are inconsistent.

I applied for a BOA checking account a few months ago. Said I needed to go into branch to prove identity.

Applied again this week after being approved for a Premium Rewards Elite credit card, and was instantly approved for the checking account.

Are you applying as an NRA? Didn't think you can apply for a checking account or CC as an NRA?