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.

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.

Got approval for my second credit card - this time AMEX, new ITIN, applied as a non resident - online from outside of US with US proxy. First time I was denied for this card around 5 times, luckily they doing only soft pull, so no credit score hurt. History: 1) auto rejection - ITIN too new 2) auto rejection 3) additional auto review: connect bank accounts to check if you will be approved, then rejection - ITIN too new, no FICO score 4) additional auto review: connect bank accounts to check if you will be approved, then rejection - ITIN too new. no FICO score 5) then I finally tried again after 6 months of ITIN: manual review > approved

Today I got approved for the Chase Saphhire Reserve card. Applied online via the Chase app. Simply clicked on the pre-approval in the app, updated my income (I used the same amount from my last application), and checked the boxes for confirmation. -> Wait 30 seconds. Congratulations! No documents were required. No VPN/Proxy used. I was already pre-approved for both Chase Saphhire Cards in the app for 4 weeks. I was lucky to wait for the best offer ever for CSR. I have an Chase Checking Account for almost 2 years. This was my 4th us credit card (Amex HH (2 years), Amex Green (1 1/2 years), Chase Freedom Unlimited (7 month). Credit Score before the application today: 754 (Equifax). I will try for my first Capital One card in 30 days in the US at an Capital One Cafe... I know, it will be a short time period between both aplications, but I dont know, when I will be back in the USA after my next vacation. Has anyone visited the Capital One Cafe in Las Vegas oder in Denver?