Step-by-Step Guide to Getting US Cards as a Canadian

[@PrinceofTravel]

For a more detailed step-by-step on how to get US credit cards as a Canadian, read our full guide at → bit.ly/4f4ciSA

[@cozytravels752]

Wait, Ricky I do not think this new layout on your website is a good idea. It feels like a default squarespace template. Can you please update it to anything else? I cannot see how a new visitor would ever return upon visiting the first time. (Also to note, the small flat bottom banner ad for some reason floats off the bottom and ends up around 40% up in the middle of the page. Can you look into that too?) I really am trying to help.

[@PrinceofTravel]

Were you on your phone or laptop?

[@cozytravels752]

@@PrinceofTravel phone s23, chrome app

[@cozytravels752]

@@PrinceofTravel not sure if yt auto deleted my reply based on keyword, so i'll make it short: phone

[@misounet]

Great video! I've had two AMEX US cards for 13 months now and I'm trying to get a Chase one. I'm being asked to submit the following documents: 1) A copy of your social security card 2) Proof of current physical address (e.g. utility bill, government issued id) Of course I have none of these two available. I guess I should give up and try again in a few months?

[@PrinceofTravel]

Probably yes. It takes a few tries usually for Chase. ~Cris

[@NorthernMike-1]

Best advise to you is to try and open a Chase Bank Account when your across the border. Then Your building bridges with them. Also some creditors will ask you to send the copy of the SS Card, when your credit file is new and thin. If you get an ITIN, that works as a SSN

[@PKDN215]

Passport Canadas non notarized copies don’t work unfortunately. The IRS requires notarized copies and we can’t get one …😢

[@1ctf749]

Great video! I’d love to get us cards the options are much better. Will try this out I hope this is technically legal and won’t shut down my Canadian cards.

[@NorthernMike-1]

Perfectly legal and even Capital One doesn’t talk to each other. In addition TD and BMO offer US Based cards to their Canadian Clients. Both however have limited U.S. Areas, so contact them prior to setting up your address!

[@KokaMocha]

The 24/7 addresses on the west coast have all been designated as commercial receiving agency so not sure if banks are still allowing these addresses or not.

[@nguyentung8697]

what mail forwarding service are you using to apply now? I see 24/7 parcel has been flagged as CMRA now. what is the other option?

[@NorthernMike-1]

Well do as I do. List my residence as my Brothers address and my mailbox as a mailing address. Problem solved! BTW my brother moved a few years ago and haven’t heard from him since. Don’t tell anyone! 😮😂

[@CanadaAlex]

Has anyone experienced the same issue as me? I applied for a Hilton Amex card on the US website. It asked me to log in if I already had an Amex card,(Canada) so I logged in and filled out the application. Here's where I'm having the issue: When I clicked "Agree & submit," it just took me to the top of the page and did not submit the application. I don't see any error messages. So I decided to go through Nova but it still required ITIN.

[@PrinceofTravel]

Online Global Transfer has not worked in quite some time, that’s why Ricky mentioned you need to call in.

[@CanadaAlex]

@@PrinceofTravel I also called in to proceed an application and Amex said I should go through Nova Credit. and I emailed Nova to apply the Hilton Credit card but they replied I need ITIN. anyone was able to make it recently?

[@PrinceofTravel]

Nova Credit has required an ITIN for some time. You need to speak to Global Transfer, specifically.

[@CanadaAlex]

@@PrinceofTravel I made it. Thank you so much!

[@ranger98]

@@CanadaAlex You got approved? Did you have to connect your US bank account to complete the AMEX application?

[@andreaa886]

Hello, thank you for the videos on this topic! With your guidance, I was able to open a US cc via global transfer a few months ago, without an ITIN/SNN. Although I am in the process of obtaining an ITIN, is my credit being reported to FICO without it?

[@PrinceofTravel]

You are still building US credit history, but an ITIN will help your cause. - Steve

[@davids2009]

they ask for a social security number. what do you use?

[@PrinceofTravel]

You use a "US-Individual Tax Idenfication Number" a.k.a. ITIN. ~Chris

[@uhmerrykan]

What about applying for new US credit cards when you already have some? Which banks approve you without a US number? So far since living in Canada I've been approved for Chase and Barclay's cards, but i told them my Canadian phone number was American (same country code). My understanding is that BofA and Cap 1 will not approve without a real US phone number.

[@PrinceofTravel]

Looks into some options for US-based phone apps or eSims with US numbers: Google Voice, Tello, etc

[@green0marlin]

Does adding my ITIN to the application of a new US card build credit exclusively on this card or will it link to other cards obtained with the same bank obtained before receiving an ITIN? Apology if this has already been answered.

[@PrinceofTravel]

Each card will have it's own reporting to the credit bureau. So make sure to take care of each card you have even if they are all in the same bank

[@ranger98]

Just tried to get an AMEX using the global transfer method, I have a Cobalt in Canada with a pretty high limit for 3 years, never missed a payment. Got denied... I thought it was because when I connected my US bank account I didn't have enough showing in checking. But I called AMEX to get the reason, the lady on the phone told me it was because they could not find a FICO score for me. Isn't that the whole purpose of the global transfer? To not need a US FICO Score and to leverage my Canadian AMEX history? I feel like the first person who submitted my application may have messed up...

[@PrinceofTravel]

Yes, you might want to try again. Wait at least 30 days from when you originally applied and try again -Steve

[@NorthernMike-1]

If you can’t get approved with the complicated and cumbersome application process, write a letter to the CEO of Amex USA. Worked for me!

[@bcbigguy1]

You don’t need a US address for an RBC Bank USA Visa.

[@jayzee316]

I used to work in the US briefly so I have a SSN, but it was back in 2003 and since then no activity. Would it be relevant to use in this case, or should I still go ITIN way?

[@PrinceofTravel]

Well, try to get a fee-free keeper card with ur SSN and see if it works first. If it works, then great, start building longer and better credit history with this new card. SSN is much easier to deal with than ITIN. So try SSN first.

[@jayzee316]

@@PrinceofTravel great, thank you!

[@NorthernMike-1]

SSN are valid for life! Just remember, your starting out with nothing, so many banks will want to see your card

[@garciatunion]

im Argentinian, Ive never been a US resident, I have Citi and Bofa credit cards and I don't have any ITIN or SSN. I will try to get Chase credit cards on my way back to USA, not easy so far

[@PrinceofTravel]

You will need a US mailing address and bank account first.

[@garciatunion]

@@PrinceofTravel I have both for my bank accounts in Bofa, Citi and Chase, but so far, Chase doesn't wanna give me credit cards without an ITIN, I will try again this month

[@Elias-yx9gx]

@@garciatuniondoes bofa and citi first force you to get secured credit card?

[@garciatunion]

@@Elias-yx9gx I got a secured credit card with Bofa, that I upgraded after 6 months, with Citi, I had to wait 3 months after opening my bank account and deposit 5k

[@garciatunion]

@@Elias-yx9gx only bofa, for Citi I had to wait 3 months after opening a bank account and deposit 5k

[@charu002]

Currently, at the time of writing this comment, they needed my passport instead of my certified true copy, i think. I’m still in the process of calling them to know why Also, cibc USA terminated my account just for changing my address to my 24/7 address So, does other banks make it easy to change address?

[@PrinceofTravel]

You can change address easily. Try another bank besides CIBC.

[@charu002]

@@PrinceofTravel got it. I’m interested in other banks anyways, so i’ll try scotia or bmo

[@NorthernMike-1]

Give them any address as your resident address and your box address as your mailing address Did that with my brothers address, no issues!

[@lardiop]

How is this not fraud? At points during the application process for GT or Nova you are asked whether you are living in or have moved to the US.

[@PrinceofTravel]

Hello. Thank you for raising this question. You are correct. You need to be residing in the US to use GT or Nova. If you are residing in the US, you may choose to use mail forwarding company address as the mailing address also. Sorry for not being too clear over there.

[@SammyandLucky]

According to AMEX, mail forwarding services do not work. you need to prove to them that you live in the states...and if you get a actual address, doesn't mean you get accepted.

[@tylerg8031]

I’ve tried this so many times even opened up an US bank account at a IS branch but the only cards I can apply for and get are that branches cards. Get all the numbers you want, unless your in business or trade of some kind you need a SSN and even at that it’s a stretch to get one unless you can prove you live in the US for a certain amount of time and can get references from the address you use stating so. It’s year 6 in trying and a SSN is all do not have and I can’t even get a global transfer card from Amex unless I apply to the IRS and hand over my life to them and possibly get accepted.

[@PrinceofTravel]

You may be the unlucky person, I'm sorry to hear this. Many of our colleagues and friends typically got their first Chase Business cards after 2-3 years having a Chase Personal Card. So perhaps start with Chase personal cards first. Applying in branch is also easier for chase cards. My friend just got his first Chase Ink Preferred few days ago. He did have 2 other chase personal cards for 2-3 years time. So try in branch next time. Make sure to bring all the documents.

[@Elias-yx9gx]

@@PrinceofTravel hi prince, did your friend use a itin in that situation?

[@brunes007]

Opening an ITIN can greatly affect you for the rest of your life so make sure you talk to an accountant with cross border experience before you do this. Personally I do everything I can to AVOID opening an account with the IRS. The US is the only country in the world who taxes global income.

[@PrinceofTravel]

for its citizen yes

[@brunes007]

@PrinceofTravel Anyone with an ITIN can be affected acrually, US citizen or not. That's what I am saying...

[@PrinceofTravel]

As we mentioned, tax consequences are beyond the scope of this video. Please speak to a tax professional.

[@burnt1ce85]

@@brunes007interesting… do you have a link where i can read more about this?

[@JasonKeirstead]

@@burnt1ce85 Just Google research.