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.

Sofi Banking latest updates. Just opened Sofi Account for my spouse with ITIN 90X-XX-XXXX. (6 MONTHS OLD) - Its third time applying Sofi. Gave early warning denial in March twice and used two email address and created two profiles. Why Sofi 1. Accpet US address but accepts W8BEN also. In W8BEN you mention your foreign address. They will issue 1042S on yesr end. All interest income is non taxable for me by IRS after that. No with holdings 2. Have clear status viz. Resident , Non Resident and US citizen in their system 3. Highest Interest in saving for next 6months with Sofi Plus : 4.5% APY. Best to park spare cash in USD. 4. Full online banking with Zelle and Bill pay. Allow Foreign IPs at login with Microsoft authenticator at non trusted logins. 5. Every thing online. Good user experience and decent customer support. 6. FDIC coverage up to $3 M (vs $250k standard). Listed on NYSE. Listing make any company robust. Rare to find increased FDIC insurance. Chase, Bank of America, and Wells Fargo all offer the standard $250,000 FDIC insurance — identical to any other FDIC-insured bank. Just to give better confort. 7. Good process with docusign to submit W8BEN. Impressive. 8. Will taste Credit card later after 2-3 months. 9. You can connect to other Banks account and credit cards in their Sofi Relay portal. Very good dashboard how much money in each bank account and credit cards and see their transactions in one go. I just login to that feature and able to see my Amex and Capital one credit card speding also. Can Not trsut this with any third party software. Trick After being denied on Early Warning system. 1. I have used two email in past. agent told me to remove one profile completely. Help me delete one. 2. Ask them that my ITIN and residential status or address was wrong. They will transfer to new team who will send link to upload passport and ITIN letter. Use this. Force them to make some change to your profile. Make profile cleaner as much as possible 3. Once this team accepts your passport and ITIN. Transfer back to banking team. 4. Ask them I was denied twice in past anything I should be doing differently. Check your profile with them thoroughly. My thought is if they make changes in profile chances of approval next time is high and delete duplicate profiles 5. Use Physical addres non CMRA. Use US IP. 6. Worth making multiple calls to live agent before actually clicking submission. This was key differentiator.

I finally signed up for Equifax for the first time and check my score. Before this, I did not know what my score actually was.

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.

I applied for the Chase Sapphire Reserve for Business last week as a sole proprietor using only my ITIN. No EIN, no LLC, and no current relationship with Chase. When I applied, it went to 7 to 10 business days review. On Monday I called back, and yesterday I called again and was told to wait for a letter. I asked if there was any way to upload requested documents online instead, and later Chase sent me the request by email. Today I uploaded my passport, proof of address, and copy of ITIN right away. After that I called again, and it was approved instantly on the call for USD 10,000. @Ain - Cloud Resident assisted me throughout the process, which made it easier to keep moving when Chase kept saying to wait for letter. For background, I was also approved for Apple Card last month with a USD 3,000 limit, so this was a really good next step for me. If anyone is in review with Chase and gets told to wait for a letter, it may be worth asking if they can send the document upload request by email instead.