topic Re: applying for credit cards while you are overseas outside of united states , what will happen? in Credit Cards

applying for credit cards while you are overseas outside of united states , what will happen?

Anonymous — Sun, 03 Sep 2017 16:13:36 GMT

I will still use my home address within the United States , will credit card companies track your internet address coming from outside the country and flag the application for suspicious activity , what will happen? I'm very curious

Re: applying for credit cards while you are overseas outside of united states , what will happen?

Anonymous — Sun, 03 Sep 2017 16:48:51 GMT

Typically, CCCs aren't that deep throat/double spy level to vet IP addresses per app

You should be fine, many military and ex-pats apply and get CCs
As long as the card is mailed to the home address in the States, I'm sure you'll be fine.

Plus, nothing stops you from completing an over the phone app, they won't ask you where you're standing, they'll simply just take the app, that way you won't have to even consider if anyone is tracking your computer.

Good luck

Re: applying for credit cards while you are overseas outside of united states , what will happen?

Anonymous — Sun, 03 Sep 2017 21:26:45 GMT

@Anonymous wrote:
Typically, CCCs aren't that deep throat/double spy level to vet IP addresses per app

You should be fine, many military and ex-pats apply and get CCs
As long as the card is mailed to the home address in the States, I'm sure you'll be fine.

Plus, nothing stops you from completing an over the phone app, they won't ask you where you're standing, they'll simply just take the app, that way you won't have to even consider if anyone is tracking your computer.

Good luck

Plus, with a VPN, anyone can appear to be almost anywhere, so having an IP as showing in the US doesn't guarantee much. (That said, I sometimes forget to logoff my UK VPN, and when I go to Fidelity.com it wants me to confirm special conditions for international users, so they do check.)

Re: applying for credit cards while you are overseas outside of united states , what will happen?

bourgogne — Sun, 03 Sep 2017 23:16:04 GMT

@Anonymous wrote:
I will still use my home address within the United States , will credit card companies track your internet address coming from outside the country and flag the application for suspicious activity , what will happen? I'm very curious

some are more backbone sensitive than others and it also depends on where you are. purevpn is really nice and cheap and has a fast us option. best way is to rdp into a system back in the states. I let a few friends overseas use a spare account on my server to do this vary thing, has chrome, firerfox and everyones favorite IE lol. If you want to do the same pm me and I will give you the credentials. its a public ip, reverse dns, etc. totally legit so feel invited

Re: applying for credit cards while you are overseas outside of united states , what will happen?

sjt — Mon, 04 Sep 2017 01:18:50 GMT

@Anonymous wrote:
Typically, CCCs aren't that deep throat/double spy level to vet IP addresses per app

You should be fine, many military and ex-pats apply and get CCs
As long as the card is mailed to the home address in the States, I'm sure you'll be fine.

Plus, nothing stops you from completing an over the phone app, they won't ask you where you're standing, they'll simply just take the app, that way you won't have to even consider if anyone is tracking your computer.

Good luck

I think there are some CC companies that track the IP address and if its a foreign IP it will draw red flags.

Re: applying for credit cards while you are overseas outside of united states , what will happen?

Anonymous — Mon, 04 Sep 2017 03:56:45 GMT

Ok, there are always exceptions and we can disagree but I still don't think the VAST majority of CC issuers are gonna be shutting down online apps based upon IPs.
We have threads on this forum with ppl speaking of securing CCs from outside the country.

In addition, as I mentioned... anybody can simply make a phone call and apply, crisis over.

The CC is going to a U.S. address, the person applying is offering a legitimate SSN, lining up with a legitimate credit profile...it's an application, not some double security flag on a possible breach of an account...an application attempt isn't an account holder logging in and I guarantee to security measures are different, as less would be warranted.

Re: applying for credit cards while you are overseas outside of united states , what will happen?

Anonymous — Mon, 04 Sep 2017 05:34:07 GMT

I used a Germany VPN to get the 50k Amex PRG offer. Went through without a hitch.

Re: applying for credit cards while you are overseas outside of united states , what will happen?

thewally — Fri, 08 Sep 2017 00:28:00 GMT

I applied for the Syncrony Cathay Pacific Visa while in Hong Kong. Ironically they blocked the application stating that it "came from a high risk area"- that high risk area being Cathay's home country.

A lot of the popular VPN providers may also be flagged. There are plenty of block lists out there- for example I can't even get to Target.com from my VPN provider. Best advice would be to call it in.

Re: applying for credit cards while you are overseas outside of united states , what will happen?

Anonymous — Fri, 08 Sep 2017 00:31:09 GMT

I applied for cards with Chase, CapOne and Barclays while traveling a few months back. Barclays got flagged for ID verification. The rep said he was just checking because the application originated outside of the US. The other two were instant approvals.