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Cloud Residents · US Credit

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14 contributions to Cloud Residents · US Credit
T-Mobile Postpaid eSIM + Fast Proof of Address Options?
Hi everyone, I'm trying to get a T-Mobile postpaid eSIM online. Has anyone successfully done this recently? If so, what was the cheapest postpaid plan you were able to get & how did you activate the line? My main goal is to use the line for address verification with Wells Fargo, so I don't need a lot of data or features—just the cheapest legitimate option that works. Can I port my Tello number to T-Mobile & then move it back to Tello after the month ends? If T-Mobile is too expensive, are there any other fast and affordable ways to obtain proof of address in the US? I'd really appreciate any suggestions, especially low-cost methods that worked for you personally. Thanks!
0 likes • 9d
A pay-as-you-go number is never considered a postpaid bill. The bill that Wells Fargo accepts is an insurance bill, an electric bill, or a hydro bill. Other banks accept a postpaid bill as proof of address, but Tello does not. Tried that before with WF and Barclays. The best you can do is either port your Tello number to a regular postpaid plan (bring your own phone) to T-Mobile, AT&T, or Verizon. Or if you’re buying personal insurance and address, enter your “US address,” then once the statement is generated, you can use it as proof of billing address.
A Tale of Two Applications: Success and Roadblocks with Capital One as Non-Residents / ID Verification
My wife and I already tried to apply for Capital One credit cards online a year ago, but without success. Both applications failed due to a lack of proper identification. Prior to this, we had each received a pre-approval for Capital One’s starter cards (the Quicksilver and Savor). Based on these pre-approvals, we initiated the application process. However, the final step always failed because Capital One required a US ID for verification purposes—meaning a US-issued passport or a US driver's license. Multiple calls to the hotline didn't change anything either. Therefore, my strategy for our next trip to the US was to visit a physical Capital One location. However, in Las Vegas and Denver, which were on our vacation route, there are no traditional Capital One branches. Instead, they only have Capital One Cafés. In addition to getting financial advice, you can buy food and drinks there, or rent a desk to use as a workspace while traveling. Since I had just successfully applied for the Chase Sapphire Reserve shortly before our vacation, I didn't want to trigger a second credit card application with Capital One right away. So, my wife applied first. We went into the Capital One Café in Las Vegas, where a young lady—a so-called "Café Ambassador"—assisted us. The application wasn't filled out on a Capital One computer, but rather on her own smartphone. My wife was instructed to connect to the Capital One Wi-Fi network first and then started the application process normally through the link in the Capital One emails. Just like last year, everything went smoothly—but with one major difference: at the very end, she was not prompted to provide a US ID. Instead, she directly received a link to verify her identity by taking a photo of her (German) passport. She did this right there at the location, and the card was approved shortly after. Pleasantly surprised by this success, I decided to try the exact same thing two weeks later. I went into the Capital One Café in Denver, connected to the Wi-Fi network, and started the application process in the presence of the Ambassador there. I applied for a Quicksilver card.
A Tale of Two Applications: Success and Roadblocks with Capital One as Non-Residents / ID Verification
1 like • 10d
Happened to me when I first got my Capital One. The best advice I can share and what I did is called the fraud hotline, and they gave me the link to upload my driver's license + ITIN docs. The ban was lifted after a week of waiting.
Amex and Navy Fed Card approved
Happy to share that I was approved for the Navy Cash Rewards & Amex BC Everyday card. Both has 0% intro APR for 12 and 15 months for BT and Purchases. I only have 1 year of ITIN history. Thanks, guys for sharing your knowledge here :) I will maximize the 0% APR 🤸🏻‍♂️ Ps: I don’t have any DD or Pledge loan in Navy Fed. Waited 3months from the date of account opening from them before tried applying for their card.
Amex and Navy Fed Card approved
0 likes • 11d
@Martin Bo McHamilton thank you brother
0 likes • 11d
@Nitik T both! Amex 15months 0% APR and Navy Fed 0% APR for 12mos
increasing credit score
hi all so I have a hilton honor amex for 3300 dollars and capital one savor secured card of 200 and unsecured savor card for 300 dollars. I wanted to get another amex but when I applied for a green card it got rejected and on the letter it says my Fico score of 628 do you guys know how can I increase my credit score. I am using 100 percent and paying off the card in full for capital one cause that what I heard about capital one limit increase I tried to do it but it says my account is new so they cant do it it has been 3-4 months for the capital savor and for amex its been more than 14 months. any advice would be appreciated. thank you
1 like • 12d
Don’t worry about it. Usually because your account with Amex is new. Wait a bit till it reached the 13months and apply for any business card, not the personal one.
PayPal Pre-Approved PayLater with ITIN
Happy to share that, PayPal pre-approved me for a $700 pay-later option. Already used the $200, still left $500 to try it out by buying items online that accept PayPal payment.
PayPal Pre-Approved PayLater with ITIN
2 likes • 26d
@Ain - Cloud Resident Good question. I only have 3 transactions from 2025, and Amex was linked to my PayPal account. Basically, it’s acting like a bridge to pay for something online that doesn’t accept Amex. And two PayPal deposits this 2026 amounting to $2k. Surprisingly I don’t have chequeing account with them.
0 likes • 25d
@Pavle M. I don’t use US IP roaming every time I open the app and make some transactions. This sounds like a good data point.
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John Tek
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@john-tek-5175
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Active 4d ago
Joined Feb 18, 2026
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