my cap one card was restricted a while back as they asked me for my US ID. I just paid the card in full and then had some balance on the account . I didnt wanna close the card as it was my oldest card. Yesterday, I just called cap one fraud dept out of nowhere and asked if they could release the restriction and the lady said she could do it with passport. She sent me two links and then I uploaded my passport on both links and got verified. Later that day, I recieved a call from cap one again and then they asked for proof of residency. No lease, Nothing else than Internet, gas, Electricity bill or trash company's one. Luckily my address guy provided me xfinity internet bill and I was able to verify my account. Now its working well.

I just got into Navy Federal. I'm wondering what I should open with them—like a pledge loan, secured card, business account, personal account, etc. If there's an area in the classroom on this, please let me know. I could do something like a $20,000 pledge loan if that will help me.

Hi guys, I already have a every day checking account, savings account and pledge loan with Navy Federal. Is it a good idea to open a Flagship Checking account to build a relationship with Navy Federal and increase my chances of qualifying for their cash rewards credit card? I did try the prequalification but I was only prequalified For the secured cashreward

If you have filled the form as RESIDENT ALIEN, make sure to move your funds to Checking account instead of saving account. The interest income in your accounts will be reported to IRS if its more than $10 and if you have filled form as RESIDENT, it will mess up in your tax filing. - Filled as Resident, use interest-free account ( so no interest reporting ) - Filled as NRA, you can use saving account and earn interest as it will be reported accordingly. I am doing this for now: - DCU - RA - Checking Account ( Moved yesterday only , I almost missed it. Got some interest already but below $10 ) - SDFCU - NRA - Saving Account - Earning Interest 🤑

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.