x2 credit cards and x2 checking accounts · Cloud Residents

x2 credit cards and x2 checking accounts

Capital One and BOFA were the first two accounts I opened. I applied for checking accounts at both banks, and they each offered me my first credit card.

I accepted the offer from C1, but I haven’t accepted the one from BOFA yet.

My checking account at C1 gave me a Discover debit card, but a Mastercard credit card.

At one point, C1 asked me to complete a security verification using my state ID. When I spoke with the risk manager, I explained clearly but politely that my only form of identification was my passport, so he accepted that and sent me a link to complete the verification. Since then, I haven’t had any problems with C1.

I've had my ITIN for two years, but I've never applied for an account or a card—until now. In other words, without a credit history.

I've never been to the U.S., and I'm from Costa Rica.

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