There can be hundreds of reasons for account restriction and shutdown. But we may not know all of them. Today, I am talking about a few ways to keep your account safe: - ALWAYS use US IP ( Tello/Proxy/Red Pocket) - Don't spend outside USA in physical store on new cards unless you got it in-person or has NRA status. Online international payment is fine but better not to have in-store tap for first 2-3 statements - Don't change your address for first few statement cycle - Don't give bank staff a reason to look at your account. A manual check means they can find issues with address or id or whatever... People saying Cap1 asking for US ID after system triggered a manual verification. **Most important** - TURN OFF BACKGROUND DATA on your banking apps. ( I think, this is very important. If your background data are on, it means your app can connect to the banking server; it will be sending request on background 24/7 and you wont be using tello data 24/7 ) - Even if you turn of background data, your app may connect. To be completely safe, HIDE & LOCK your apps in iOS. So, you need to unhide/unlock for the app to use internet. Keep on adding more guys...🔥

Today I got approved for the Chase Saphhire Reserve card. Applied online via the Chase app. Simply clicked on the pre-approval in the app, updated my income (I used the same amount from my last application), and checked the boxes for confirmation. -> Wait 30 seconds. Congratulations! No documents were required. No VPN/Proxy used. I was already pre-approved for both Chase Saphhire Cards in the app for 4 weeks. I was lucky to wait for the best offer ever for CSR. I have an Chase Checking Account for almost 2 years. This was my 4th us credit card (Amex HH (2 years), Amex Green (1 1/2 years), Chase Freedom Unlimited (7 month). Credit Score before the application today: 754 (Equifax). I will try for my first Capital One card in 30 days in the US at an Capital One Cafe... I know, it will be a short time period between both aplications, but I dont know, when I will be back in the USA after my next vacation. Has anyone visited the Capital One Cafe in Las Vegas oder in Denver?

Saw the approval posts here recommending BoA online - went for it today, made it all the way to the final step, then stopped and want to share what I found before someone else clicks through without reading. If you select "Resident Alien" in the application (which is what makes the online flow work), the last screen is basically a W-9 form. You're certifying, under penalty of perjury, that you're a "U.S. citizen or other U.S. person." Resident Alien" is a tax term, not something that comes with your ITIN. To actually qualify you need one of:A Green Card, or 183+ days physically in the US or A formal first-year election If you live abroad and just have an ITIN, technically you're a Non-Resident Alien. The correct form is W-8BEN, not W-9. Stuff that can go wrong if you sign W-9 anyway: - Account closed at the next yearly KYC review - When a bank closes you for fraud/misrep, they report it to ChexSystems and Early Warning Services (EWS). EWS is owned by Chase, BofA, Wells, Cap One, US Bank, PNC, Truist — they all see each other's flags in real time. ChexSystems sticks for 5 years. Most mainstream US banks pull both before opening anything new. - Automatic 24% backup withholding on interest - IRS expects a full 1040 with worldwide income - Any future US visa or ESTA form asks if you ever made a false statement to get a benefit. Bank account counts. Just wanted folks to know what's behind that final checkbox before clicking. Not worth it in my opinion.

I tried opening Bank of America before and it didn't work. Couldn't verify me online, they asked me to go to a branch with 2 forms of ID. This time I try again. And it worked. What I did: I opened Advantage Plus Banking and Advantage Savings. During the application, I selected U.S. resident alien even though that's not technically my status. The account opened instantly - well, it went into review first, and after about 1 hour I got the approval email. No identity verification was asked this time. I also applied through the USD 500 cash bonus offer. The only thing I changed this time: I applied from my desktop using the Classroom setup with the USD 1 data proxy.

The Platinum looks great on paper but if you're not based in the US, most of the credits are completely useless. Uber Cash is US-only, Resy and Dunkin' credits are US-only, CLEAR+ is US airports only, Equinox, Walmart+, lululemon — all US. You're looking at close to $1,900/year in credits you simply can't touch, on an $895 annual fee card. So what are people outside the US actually holding? Is the Gold a better fit (4X dining at least works globally)? Are you just in it for the MR points and treating the fee as a cost of the welcome offer? Or have you dropped Amex altogether for something more region-friendly? Would love to hear what people are doing.