Strategy to obtain US Amex

[GDale]

I have a new ITIN, approved for a secured card with Capital One Quicksilver Card.

I’m opening a checking account with them.

They’re literally the only bank I’ve had any success with in terms of a credit card approval. Very hard it seems now to open bank accounts without doing it in person.

Did Cap1 ask you for ID verification for the credit card?

 

[Sora]

Did Cap1 ask you for ID verification for the credit card?

I applied and was conditionally approved. I decided I’ll get it to build my credit.

It was sent for review. I had to upload my ITIN and my passport, it was then approved a day or two later.

I didn’t need to provide anything else beyond that.

 

[GDale]

I applied and was conditionally approved. I decided I’ll get it to build my credit.

It was sent for review. I had to upload my ITIN and my passport, it was then approved a day or two later.

I didn’t need to provide anything else beyond that.

Wow that's a great data point in that case! Many of us (me included) have struggled to get a Cap1 card because they only seemed to accept US driver licenses. Did you apply using a US VPN at all?

 

[Sora]

Wow that's a great data point in that case! Many of us (me included) have struggled to get a Cap1 card because they only seemed to accept US driver licenses. Did you apply using a US VPN at all?

Nah, not any VPN. Just my usual connection here. I did use my brothers physical address in the USA though.

Not sure if that makes any difference, but its the same address on the ITIN letter.

Those were the only two things, my ID and the ITIN letter.

I have submitted earlier my checking account request, same thing, they needed my ITIN. Let's see how my application goes, but if my card is approved, I can't see why the checking account won't be.

 

[QF_Flyer]

Wow that's a great data point in that case! Many of us (me included) have struggled to get a Cap1 card because they only seemed to accept US driver licenses. Did you apply using a US VPN at all?

I did this, they accepted ITIN and Aussie passport, opened the account and then closed it a few days later due to unspecified “risk”.

 

[albyd]

Nah, not any VPN. Just my usual connection here. I did use my brothers physical address in the USA though.

Not sure if that makes any difference, but its the same address on the ITIN letter.

Those were the only two things, my ID and the ITIN letter.

I have submitted earlier my checking account request, same thing, they needed my ITIN. Let's see how my application goes, but if my card is approved, I can't see why the checking account won't be.

That seems to be a big part of it with C1. They’d previously been asking for US State ID and my AU passport just wouldn’t be accepted. They knew I was using a VPN but wouldn’t say so. I had previously opened a checking account and they shut everything down without notice. They sent me a check by mail (the Americans are big on that rather than bank transfers like we are)..

I applied without a VPN just for kicks and got approved for a card. I have other checking accounts so not interested in a C1 account. CCs (I have two now and their ’Business’ Cards are both working. I hope they continue to work long term as I don’t want any credit just a payment method particularly as October 1 is fast approaching. That’s my story YMMV. The learning from my long post for me is ‘don’t use a VPN’ and it might just work. YMMV.

 

[Grrr]

have struggled to get a Cap1 card

I’ve had a Cap1 basic Venture One for almost 2y now. They gave me a $500 limit initially, then increased to $2k after about 1 year, and just last week increased the limit to $4k.

I’m still in their low credit score basket though, as pre approval won’t get me any of the good Venture cards.

I also can’t open any checking accounts - they specifically say online application is for US residents only