Has anyone here successfully requested a CLI at anytime and was approved?

Seems pretty decent with 2% cashback, no foreign transaction fees, and no annual fees. I'm still new in my journey, but this seems like the credit card to aim for if majority of your spending is going to be outside of US and denominated in a different currency. Would love to hear your opinions. The other alternative with 2% cashback and no fees seems to be Fidelity Rewards Visa, which I'd also like to know if anyone has applied for it previously.

Made an appointment with Chase in Texas and went there for account opening. Took almost an hour. My aim was a personal account and a business account for my newly founded LLC. Aim is the CSP after establishing some relation with Chase. There is an offer currently ongoing with 400 USD when having a 1.000 USD direct deposit. And according to reports an ACH from Chase Biz to Chase Private counts eligible. https://account.chase.com/consumer/banking/seo So first was a check of the documents I had with me, before creating my file. The superior had to give its approval since I applied as a Non-Resident. Afterwards we were going through the possible accounts offered. There I mentioned the code I have, so it has to be the Total Checking account. The banker tried twice to sell me a savings account, but when I mentioned I don’t want to struggle with IRS he accepted my decision. You can then choose the design of your Debit Card and choose a PIN. There is then a mandatory clip to watch about overdraft fees. When it came to the NRA-part, I had to provide my foreign tax residency address and also providing how many days I was in the US from 2024 to 2026. It was for the substantial presence test. „A person satisfies the "substantial presence test" to be considered a U.S. person for tax purposes (and fill out a W-9) if they are in the U.S. for at least 31 days in the current year and 183 days over a 3-year period. This period includes all days present in the current year, 1/3 of days in the first preceding year, and 1/6 of days in the second preceding year.“ You can get your travel history here: https://i94.cbp.dhs.gov/search/history-search/results In the end the system wanted the W8-BEN. Last step was setting up the app and adding the Debit Card to Apple Pay. Afterwards he was explaining adding other bank accounts to have an overview, my savings journey, also home loan. Score is not available - an SSN is needed.

When adding my ITIN at the branch to the BofA checking and Travel Rewards Card I got a message from Equifax the same day that there were changes to my score. Vantage went up by +1 and FICO +10. BofA CC already was reporting to the Bureaus, but it seems an ITIN on file is increasing your score. Many people here use Amex Global Transfer without an ITIN, so just a recommendation

Hello Cloud family, I’ve noticed that I’ve been using my cards very aggressively spending about 80% of the limit every week, then paying it off within 1–2 days. After doing this consistently for around 60 days, they automatically gave me a credit limit increase. For example, with a $500 limit: Week 1: Spend $400, pay off $400 Week 2: Spend $400, pay off $400 Week 3: Spend $400, pay off $400 …and so on for about two months. Then, before the statement date, I leave around $25 (about 5%) unpaid. Let me know what you guys think about this strategy. I’ve tried it, but I’m not sure if it’s actually a good approach.