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.

While I was still waiting for my ITIN, @Ain - Cloud Resident suggested starting an Amex relationship in Germany first, since it could later help with Global Transfer after 3 months. I could not get the Amex Gold in Germany because of the minimum income requirement, so I applied for the Amex Blue instead. After holding the Amex Blue Germany card for nearly 5 months, I called Amex Global Transfer for the US Amex Gold. Timeline & Process: - Applied first for Amex in Germany while waiting for my ITIN - Started with Amex Blue, since Amex Gold Germany was not possible in my case - Kept the card for nearly 5 months - Called Amex Global Transfer by phone for US Amex Gold - Was asked to submit documents after the call - Uploaded passport scan - Uploaded proof of address using my Capital One credit card statement - Approved for the new card Everything was done remotely. I also checked Equifax and did not see any hard inquiry or soft inquiry there. I cannot check Experian or TransUnion, so I cannot confirm those. Good datapoint for anyone who is waiting for ITIN and wants to start building Amex history first outside the US.

Capital One Credit Limit Increase - USD 300 to USD 3,000 Following up on my Capital One Quicksilver One journey. Timeline: 2026.01.23 - Applied. Uploaded passport + ITIN letter same day. 2026.01.26 - Approved. Starting credit limit USD 300. 2026.04.18 - Requested a manual credit limit increase through the app. Declined. 2026.05.03 - Woke up to an email from Capital One. Automatic credit line increase from USD 300 to USD 3,000. Did not request it. The manual CLI request was denied just last month because the account was too new. Less than one month later the automatic increase hits without me doing anything. Interesting how that works. The account is three months old. For the last three statements I was using around USD 250 of the USD 300 limit each month.

Made an appointment with Chase in Texas and went there for account opening. Took almost an hour. My aim was a personal account and a business account for my newly founded LLC. Aim is the CSP after establishing some relation with Chase. There is an offer currently ongoing with 400 USD when having a 1.000 USD direct deposit. And according to reports an ACH from Chase Biz to Chase Private counts eligible. https://account.chase.com/consumer/banking/seo So first was a check of the documents I had with me, before creating my file. The superior had to give its approval since I applied as a Non-Resident. Afterwards we were going through the possible accounts offered. There I mentioned the code I have, so it has to be the Total Checking account. The banker tried twice to sell me a savings account, but when I mentioned I don’t want to struggle with IRS he accepted my decision. You can then choose the design of your Debit Card and choose a PIN. There is then a mandatory clip to watch about overdraft fees. When it came to the NRA-part, I had to provide my foreign tax residency address and also providing how many days I was in the US from 2024 to 2026. It was for the substantial presence test. „A person satisfies the "substantial presence test" to be considered a U.S. person for tax purposes (and fill out a W-9) if they are in the U.S. for at least 31 days in the current year and 183 days over a 3-year period. This period includes all days present in the current year, 1/3 of days in the first preceding year, and 1/6 of days in the second preceding year.“ You can get your travel history here: https://i94.cbp.dhs.gov/search/history-search/results In the end the system wanted the W8-BEN. Last step was setting up the app and adding the Debit Card to Apple Pay. Afterwards he was explaining adding other bank accounts to have an overview, my savings journey, also home loan. Score is not available - an SSN is needed.