Thank God! My new Capital One card works beautifully, and making payments has been incredibly smooth. In just two short weeks, I believe I’ve used it over a hundred times—mostly for small transactions, of course, like buying everyday items or groceries.

I’m planning to request a product change to a no-annual-fee version when I get closer to the one-year mark. I really enjoy using this card, especially since there are no transaction fees. I’m just not quite sure how the exchange rate compares yet.

As for the payments, everything has been hassle-free. Today, Capital One even enabled virtual cards for me, which are incredibly useful. I’ve already linked them to pay my mailbox and PayGo bills—such a great experience.

Another great thing is that I've always used my local IP without relying on a VPN to spoof a US environment, and Capital One has been exceptionally customer-friendly. I really hope this continues.

I’m genuinely considering applying for a Capital One checking account now. I’m a bit worried it might be difficult to get approved, but I’m hoping for the best!

Three days ago, I accessed the Fidelity platform via a VPN and opened a brokerage account and a Cash Management Account (CMA) using my passport and ITIN (which I entered in the SSN field). Shortly after opening them, I realized this might cause issues, as I do not live or work in the U.S., but the system identified me as a U.S. resident, which would subject my accounts to a Form W-9.

I called their customer service, and the representative confirmed that my current situation does not qualify me to open these accounts. However, due to the holidays, I was told I needed to wait for the back-office team to process the case.

Today, I received an email and text message from Fidelity stating that my accounts have been frozen and that I need to wait for further instructions. How should I handle this? Should I just give up and wait for the accounts to be closed, or should I contact customer service to see if there are any specific documents I can provide to keep the accounts active?

Hi everyone,

I'm reapplying for an ITIN after getting rejected for not choosing the right exception number and not correctly putting info in check box h). I'm a Canadian selling on US Depop to take advantage of the exchange rate and no selling fees. After a certain amount of dollars made Stripe requires you to verify your identity with an ITIN/SSN to continue withdrawing your balance. I was just wondering if anyone knows which exception to choose and what information to write in check box h)?

Additionally, what supporting documents/forms should I also fill out?

Thank you SO SO much!! :)))))

The title, basically.

I saw the current $400 bonus and applied right away. Just a week ago I was looking into $250 bonus but wanted the $300 instead and surprise! There's that offer that began yesterday

I do have an US address and already have credit so the approval process was quick. Entered info as Resident, not NRA.

They do need funds within 60 days so if you guys open one keep that in mind.

I also used their tool to check if any of their partner banks approved me for a car loan and I think it was WestLake and this other one but the interest rates are very high.

That's all!

My ITIN application was delivered to the 78744 address on April 2nd with my 1040-NR, W7, and Passport. I know I am asking this very early and it takes around 7 - 11 weeks. However I just wanted to make this thread a way to reduce stress for those who haven't heard back on the application yet.

Hi everyone,
I applied for the Barclays Miles & More card (USA) and was initially asked for documents. I submitted my ITIN letter, bank statement, and passport, and the card was eventually approved.
Shortly after that, the card got frozen for a security check. Barclays now says they need a US passport or US-issued documents, which I don’t have. This is weird, as for the approval they accepted my foreign passport. On top of that, the hotline told me they won’t close the account while the card is frozen.
That’s especially frustrating because the annual fee has already posted, and I also can’t pay off the balance properly since the online account is locked.
Has anyone dealt with something like this?

1. Is there any way to get Barclays to close the account anyway?
2. Can I pay the balance through Chase bill pay or some other workaround while the Barclays online account is blocked?
3. Any suggestions on how to escalate this?
   Any advice or shared experiences would be really appreciated. I tried HUCA 3 times, same answer.

Thank you ☺️

Can a refugee travel document holder from Europe apply for an ITIN?

As a refugee, a person does not have a passport from the country in which they were born and cannot travel to that country or any consulate to obtain a passport or certify documents.

Hello everyone, I’m looking for a trustworthy and IRS-certified CAA website/service to apply for my ITIN online. Preferably a service that is reliable, secure, and doesn’t require mailing my original passport.

If you’ve personally used one with a good experience, please share the website or recommendation. Thanks in advance 🙏

Hi guys
I’ve been looking for a physical adress and a proof of adress for banks,I’ve been looking for a long time,lowest prices I have found were 2000 dollars for something that looks legit

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!

Is there any usa physical bank that allows account opening with itin?? I am non usa resident. If anyone got the offers or services then hit me up

Does anyone know which credit unions will accept opening an account with an ITIN? I am in Atlanta.