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Cloud Residents · US Credit

756 members • Free

47 contributions to Cloud Residents · US Credit
Approved for the Chase Freedom Rise credit card 💳
Update: Approved for the Chase Freedom Rise Credit Card 💳 Quick update on my Chase Bank setup — things moved faster than expected. After opening the account, I deposited the recommended amount to improve my approval chances for the Freedom Rise. Just checked the app, and the card is now officially approved and available. Current setup: - Checking account (NRA) - Chase freedom rise credit card with a $600 limit For anyone starting from zero in the US (no credit score, no history), this is a solid first step to begin building credit. One thing to note: 👉 It’s still not letting me add the credit card to Apple Pay, so I’ll likely have to wait until the physical card arrives and activate it first. Big takeaway: 👉 Funding your account early can actually make a difference in getting approved. Overall, pretty smooth process with Chase Bank so far. I’ll keep updating as I test limits, usage, and how fast the credit score starts building. If you’re going through the same process or have questions, feel free to ask 👇
0 likes • 12d
@Aaron Ng i opened in branch, used biz addy since i didnt have proof for residential, they told me to change the address in 2 days. Used the card around 50 times domestic and international use. No problems, my first statement came 2 days ago
0 likes • 12d
@Aaron Ng idk if its possible to open an acc as a nra at chase online
My current credit score
So here’s my current credit score. Equifax: 678 (up 11 points in less than a month) Total utilization : 10% Total credit lines: $1100 Share yours!
My current credit score
0 likes • 16d
@Aaron Ng how does it work? I only get $5 offers
0 likes • 13d
@Aaron Ng hey man! Once the month passes, do I have to re-register or I just use the same link?
Abroad usage of Capital One
So I've recently added my capital one to my Apple Pay, and wanted to ask if there's any problem using it abroad. I had domestic spending on my trip to the US, so it won't be 100% abroad. Do you guys reckon if im going to have any problem? My chase card has a 3% foreign fx fee, so I'd love to use my cap1 to avoid that. If it's risky using my cap1, I'll stick to chase + relay debit, since the relay card doesn't have any foreign fx fees. Hope y'all can help me
1 like • 14d
@Apple Service i’ve used my chase outside and 0 problems. Banker told me that i wont have any problems using it abroad
1 like • 14d
@Apple Service i guess i’ll stick using my chase + relay until i get a non fx fees card. Thanks!
Tello as proof of address for Chase?
Hello everyone, Has anyone here successfully open a Chase checking account or credit card by using Tello or some kind of insurance policy as proof of address? I have brand new BofA and Wells Fargo checking accounts but i can't generate bank statements as they are too new.
1 like • 14d
For chase I used a business account statement, that showed my name. They linked my business address when opening, and changed my address 2 days later, since they told me to do so. So that's a workaround that 100% works.
1 like • 14d
@Daniel Johnson in person!
Wells Fargo NYC branch experience.
Hey everyone, This morning i went to a Wells Fargo branch in New York to open a checking account and apply for the no annual fee Autograph card. The banker used my Australian passport and Capital One bank statement as ID verification items. She was actually looking up my residential address on Google Images! ( That was a bit nerve wrecking! 😅) Luckily i managed to open the checking account and got the credit card application approved. ( My credit limit is 3k ) I also deposited $1600 into the checking account. The banker was very helpful and friendly. She helped me set up both cards into my Google Wallet. Just to let everyone know that the card version in Wallet only allows me to spend 1.8k instead of the full amount of 3k ( The credit limit amount is limited until i verify it after receiving the physica card. Oh, Textnow numbers can't receive Wells Fargo OTPs. Only Tello can. I highly recommend this banker below and the branch :) PS : Actually, this is her old branch. The new branch is at 1350 Broadway NYC.
Wells Fargo NYC branch experience.
0 likes • 15d
@Ain - Cloud Resident i guess my address is trusted then. Nobody looked at it when i was in nyc
1-10 of 47
Mike Was
4
42points to level up
@mike-was-4645
Just starting

Active 20h ago
Joined Feb 28, 2026
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