A lot of people assume they're ineligible for many U.S. credit unions because they don't live in a specific state or work for a particular employer. In reality, there's an easier path that many applicants use. By becoming a member of the American Consumer Council (ACC), you can satisfy the membership requirement for a large number of participating credit unions. This is especially useful for international founders, ITIN holders, and anyone looking to build a stronger U.S. banking relationship. Here's how to do it: • Visit americanconsumercouncil.org • Choose an Individual Membership • At checkout, enter the promo code CONSUMER (or SERVICE, if available) to waive the membership fee • Once your membership is approved, download and save your ACC membership certificate That certificate can be used when opening accounts with many participating credit unions. Why this matters Many credit unions offer benefits that traditional banks often don't, including: - Lower-interest credit cards - Secured credit cards for building credit - Credit-builder and pledge loans - Competitive financing options - Member-focused customer service - I've created a list of credit unions where ACC membership can help you meet the eligibility requirement. Comment " ACC " and I will send it over to you. If you use this method, let everyone know which credit union you joined and how your application went. Your experience could help someone else in the community.

I recently opened a new business account . Like a month old account . I applied for ramp and got approved for $10k on credit Limit. I will go for credit limit increase as soon as we have 6 figs on bank with 3-4 months of history.. Share your data points if you are applying on ramp soon.

Hello community, I received my Charles Schwab checkbook and debit card.

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Here is what I exactly did. Month 1 : Opened Capital one Bank account and got secured cap one card $1k. Month 2 : Opened Navy Federal CU and Got Pledge loan first. Once I got Pledge loan I paid it 95% almost in a week. Then I ran preapproval tool, My surprise was almost all the cards were shown preapproved. But I didnt go for unsecured card yet as I know navy doesnt give credit card without relationship and good history with them. Month 3 : I just used $1500 out of $5k total credit limit and let it report. The reporting was going good. Month 4: Same. Month 5: Same. Month 6 (This Month ): Got it upgraded without asking.