Recently trying to apply for AMEX card and asked to provide 4506c form. I did submitted my tax recently but there isn't any income from the US except some stock interest that's so little that I don't need to pay any tax for it. Do I still have a chance to getting approval if I provide 4506c form? If no, any advise what should I do before I apply it again? I'm holding C1 Savor now for about 2 months. Had C1 Platinum and Savor but both were closed in January, both opened about 7-8 months back. TIA.

I just had a strange conversation with US Bank regarding an application for the US Bank Amazon Business Card. I was transferred to identity verification because they said my SSN was invalid. The person I then spoke to said I need to reach out to social security because theres a flag on my SSN. I tried explaining its an ITIN and they wouldn't listen. I also tried explaining it could be their system not playing nice with some newly issued ITINS and they also refused to listen. Has anyone heard of something like this? I have a US Bank business checking that I keep a decent balance in under my ITIN with no issues.

The Schwab Bank High Yield Investor Checking® Account offered by Charles Schwab is a stand-alone U.S. bank account, not merely a feature inside a brokerage platform. Although it is typically linked to a Schwab brokerage account, the checking account itself is issued by Schwab Bank, making it a true U.S. checking account rather than a brokerage cash balance. One of its notable features is support for Zelle, and the debit card issued with the account provides unlimited ATM fee reimbursement worldwide. Another useful feature of the Schwab setup is that the linked brokerage account can act as an international funding gateway. https://international.schwab.com/resource/instructions-to-transfer-money-to-your-schwab-account For example, if I transfer HKD to the Citibank HK account they provide—including my name and account number in the reference—the funds are typically credited directly to my account in USD within 12 hours. It is extremely convenient. After that I can transfer the USD to the checking account. Below are two common methods to open a Schwab checking account. Method 1 — Convert an Existing Schwab International Brokerage Account If you already have a Schwab International brokerage account, you can convert it into a U.S. domestic Schwab account, which then allows you to apply for the checking account online. Steps: 1. Log in to your Schwab account and go to Account Settings. 2. Attempt to change your address to a U.S. address. 3. The system will show a notice stating that U.S. addresses cannot be changed online and will provide a form for address update requests. 4. Download and complete the form. 5. Attach the following documents: ITIN CP565, proof of US address 6. Send the form and documents to Schwab through Secure Message. 7. After approximately one week, your account may be converted to a U.S. Schwab account.

I've been using the Ramp corporate card for almost 3 months now — and just today received the physical card. This is my full breakdown: what works, what doesn't, and who should actually apply. Since my original post back in March, over 30 people from this community have applied and gotten approved. I've personally assisted more than 15 members through the process. The fastest approval I've seen was within 10 minutes. Most get approved within 24 hours. Here's everything I've learned. Requirements Ramp is a business charge card, not a revolving credit card. Full balance is due at your statement date — roughly every 30 days. What you need: • An ITIN (no SSN required) • A registered US LLC — sole proprietor or personal applications won't work • An existing US business bank account The key metric is your business bank account balance. Ramp links your bank account during the application and assign your credit line based on that balance. From what I've seen across all the approvals: • LLC can be as new as 2-3 months old • 2-3 months of banking activity is enough • Minimum USD 25,000 in your business bank account at application • Approval limit is typically 40-60% of your bank balance • I was approved at roughly USD 45,000 on a balance of around USD 90,000 You do not need any existing credit history to apply. Document Requirements This is where Ramp stands out. No business documents at all. You only need personal ID. About 70% of applicants I've tracked were asked for one of: • Foreign passport • Proof of address • EIN letter — only seen this requested twice That's it. No tax returns, no business plans, no revenue verification beyond the bank account link. USD 1,000 Signup Bonus Ramp is currently offering a USD 1,000 signup bonus when you open your account and get approved through one of their affiliate partners. No spend requirement. No strings. Just open and get approved — the bonus comes as a virtual card you can start using immediately, even before the physical one arrives.

I have an Amex business gold app that requires a 4506-C but my main taxable income is all Canadian based. Is there any way to get them to accept bank statements for income verification? I have a lot of churn going through my US bank accounts so that should satisfy them.