u/Legitimate_Ice_3451

Hey!

I got my ITIN in April this year, and I have gotten credit cards with Amex and Capital One using my ITIN. Near end of June, I applied for the CSP and got declined because of identity verification issues. They told me that I should go into branch and do my next application.

I went into the branch yesterday and applied for the Freedom Flex, the application went under review, I got an email today asking to confirm my ITIN, I filled out the docusign form and gave Chase a call. They said it had been declined, and transferred me to the verification department.

There I was told to verify my ITIN again, the rep took 10 minutes to confirm everything else was fine and checked application again, and he said it was declined again and asked me to upload my ITIN letter, and a document confirming my name and dob, for which I uploaded my Canadian passport. He still thinks there's a chance I might get denied, since I had to upload these docs last time for the CSP as well.

I am so confused why this is happening. I checked my equifax account and everything seems fine, my capital one and amex cards show up there without any issues and I have a 757 score as well. Any ideas how to resolve this?

Sorry for the long post and TIA!

Hey!

I got my ITIN back in April, and I already had an Amex personal card from global transfer, so I linked that to my ITIN. I also applied and got approved for the VentureOne for good credit with a $1k limit. I tried back in June to get a CLI on the venture one but got declined. Tried again last month and got a $100 increase.

My equifax score is around 750 as my Amex personal has been open for almost 2 years now. I really want to get the Venture as that has a really good offer right now but it’s not pre approved for me right now. What are the chances that I’ll get approved if I apply?

Thank you!!

Hi!

I was trying to open a bank account online with Citi bank, but the application asks if I am a resident alien of the US, which I'm not. Does this mean that it's not possible for us to open an account with citi?

Thanks!

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Hey!

I have the $300 offer on my account for the 360 checking account and I need to receive 2 $500 direct deposits for it. However, I don’t have any DDs that I’m expecting, so is there an alternative option I can use to get the bonus?

I asked Gemini and it said that if I do an external transfer from my Chase account to cap one, it’ll count as an ACH and count towards the bonus, but I wanted to check if someone has used that before I opened the account.

Thank you!

Hey!

I have had a Biz Plat for 4 years and a green for 2 years too. I used to have a biz gold in between that I closed after a year (this was 2 years ago).

I want to get the Marriott card and was wondering if Amex does hard or soft credit pull for existing customers.

Please let me know. Thanks!

Hey!

I went to Europe 2 weeks ago. While I was there, I needed a bank otp over a call so I set up call forwarding to a virtual number. Now I’m back and I’ve turned off call forwarding like 5 times on my phone and it says it’s off but all my calls still keep getting forwarded to the virtual number.

What do I do? I’ve restarted my phone multiple times and on my phone it shows up as off every time. I turned forwarding on and off again too.

Thanks

Hey!

Basically the title, I’m travelling to Europe and will use my VentureOne a bit there, do I need to inform CapOne somehow? This is my first CC with CapOne so I’m not sure. My friend has a Chase SP and their purchases were constantly getting declined when they travelled to Canada even though they called Chase 3 times, so I’d rather be safe than struggle later.

Thanks!

Hey!

I got my ITIN in April and got approved for the Cap One VentureOne with a $1k limit. I’ve used around $300 so far and paid it all off. I’m considering putting a CLI but I don’t really need the extra limit so I don’t think it’s worth getting a credit check for that.

Thanks

Hey, I posted here yesterday asking if I should apply for the CSP and most of you said yes so I applied for it last night. It went into review so I called the application department this morning to check if I need to submit any documentation.

Here’s where the issue starts: they ask to send me an otp on my phone (I used my Canadian number for the application), they’re unable to send the otp, so they ask me verification questions, in the questions they ask me if how long I’ve worked for some company or lived on a street and in both cases I’ve never even heard the names of the company and street so I tell them that, and they say that they couldn’t verify my information and can’t talk to me about my application. I’ve called them 3 times and had the same issue each time. I really don’t know what’s going on.

Has anyone else run into a similar issue? I called equifax and confirmed that the information they’re asking is not in my report either. I really don’t know what to do… I did check the box on the application to use international credit history as I thought it would help my application but I have never heard of those places in Canada either.

Any suggestions on how I can get an answer? The automated system at the start of the call does say that they need documents and I’ll receive a letter in 7-10 days.

Thanks!

Hi,

I completed my daily set but it's not showing as completed. I tried opening everything multiple times but it doesn't seem to count. I am 1 day away from the 7 day streak😭

Is there any way to fix this? I tried both bing app and rewards website.

Thanks!

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Hello!

I just wanted to ask if I need an appointment to get my SSN at an IRS office once I receive my TN or if I can just walk in and apply for it there. IRS doesn’t accept calls from Canadian numbers so I’m having trouble reaching them. I was planning on going right after getting my TN at the border (assuming it all goes well🤞)

Kindly let me know, thank you!!

Hey!

I’m a CS student about to apply for TN under Software Engineering New Grad role, I heard good things about the Thousand Islands Bridge from a few people so was considering going there since it doesn’t require an appointment.

I just wanted to ask if anyone has any recent success/failure stories for the bridge. I know peace is a good option but I want to avoid going there since it’s requires an appointment and they would have my documents before I go there.

Thanks!

Hey!

I’m a 5th year CS Spec graduating in June with an HBSc degree. I’m just wondering if it’ll say that I specialized in CS anywhere. I was under the impression that it should say that on my transcript, but I paid for the official transcript and can’t seem to find it anywhere.

Any ideas where I can find it?

Thanks!

Really sorry if this has been asked before!

What providers/apps do you guys use for OTPs? I'm looking for the cheapest option. Currently I only have CCs with Amex and Capital One but hoping to expand to Chase and Citi in the future.

FYI: I live in Canada

Thank you!

Hey!

I have a US roaming plan and I will be moving to the US in July. Apart from the occasional weekend trip back to Canada every couple weeks, I’ll be living in Austin full time.

Now, I still have a contract remaining on my phone with Rogers until July 2027, so my plan is to continue using my phone there for data and just get a cheap prepaid plan to get a US number that I can use for banks and stuff.

I’m wondering if Rogers will get mad and throw tantrums because of that continuous roaming usage for a year.

What do you guys think? Thanks!

Hey!

I’m a student at University of Toronto, I’m graduating on June 4 with an Honours Bachelor of Science degree. I majored in Computer Science.

I have received a job offer for a Software Engineer New Grad position. Is there a good chance I can get my TN? I’ve seen the non-engineering degree engineer position posts here but also see some success stories of people who were granted their TN. I don’t have a lawyer yet, should I get one? Also, which port of entry do you suggest? I live in Toronto but if a different city has a better chance I don’t mind going there.

Thanks a lot!

Hey!

I got my first card, the Venture One as it was the only one I was pre-approved for. Quick question, while I wait for my card, is there any way I can add it to apple pay from the app so that I can start using it earlier? I have set up my account already.

Thanks!

Hi! I applied for my ITIN on Jan 2 and received my letter 2 days ago. I did submit a 1040NR form and claimed a $95 income which results in $9 in taxes.

I was about to pay the $9 but just wanted to make sure I wasn't messing something up. I found the pay1040 payment portal on the IRS website when I selected "pay with credit card". Can someone please verify everything looks good so that I can make the payment?

Thanks a lot!!!

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