I just got into Navy Federal. I'm wondering what I should open with them—like a pledge loan, secured card, business account, personal account, etc. If there's an area in the classroom on this, please let me know. I could do something like a $20,000 pledge loan if that will help me.

Relay financial recently closed my account after using it for 1 year I already have Wise but I don’t like it. Mercury rejected my application Please advise which banks I can sing-up easily I have ITIN too

Most people think you need old LLC with business credit score and a stack of bank statements to get approved for a business credit card. That's not how it actually works. There are banks right now that will approve a brand new LLC on personal credit alone. - No income docs. - No revenue verification. - No accountant needed. If you're a Cloud Resident building your US credit with an ITIN, this is one of the fastest ways to stack business credit early - while your LLC is still fresh and before you have revenue to show. Here are the 5 banks doing it. Chase Cards: Ink Business Unlimited or Ink Business Cash They pull Experian. 12 months 0% APR on both. You can apply for 2 cards on a single hard pull. Limits go as high as USD 50,000 on a clean credit file. American Express Cards: Blue Business Plus or Blue Business Cash They pull Experian, but here's the advantage: if you already have any personal Amex relationship, subsequent business applications are soft pulls. You can test multiple cards without damaging your score. Starting limits typically are around USD 2,000. Wells Fargo Card: Signify Business 12 months 0% APR. You do need a 60-day relationship with Wells Fargo before applying. Most starting limits I've seen are around USD 10,000. Worth opening a business checking account now and letting it age. US Bank Cards: Business Triple Cash or Business Platinum They pull TransUnion. No prior relationship required to get approved. Currently offering 0% APR for 12 months - worth noting this is shorter than the 18-month promo they ran for years. Starting limits are usually small, around USD 3,000, but they tend to increase to USD 10,000 and above over time. Bank of America Cards: Business Advantage 0% APR for 7 months. They prefer applicants with a existing checking account - deposits over 90 days tend to unlock better limits. If you're planning ahead, park some money there first. Bottom line: if your personal credit is solid and your LLC is newly formed, you don't need to wait for business revenue to start stacking cards. These 5 banks are the real no-doc plays.

Length of credit history: 60 days (don't think it matters) at time of application Account was restricted immediately upon opening. Prompted to go through live verification afterwards and restriction was lifted upon automated verification. Virtual debit card was issued (with option to request for the physical card) & direct deposit feature was activated after submitting ITIN letter which took about 24hrs (manual verification).

So I've recently added my capital one to my Apple Pay, and wanted to ask if there's any problem using it abroad. I had domestic spending on my trip to the US, so it won't be 100% abroad. Do you guys reckon if im going to have any problem? My chase card has a 3% foreign fx fee, so I'd love to use my cap1 to avoid that. If it's risky using my cap1, I'll stick to chase + relay debit, since the relay card doesn't have any foreign fx fees. Hope y'all can help me