Chance of getting approved for a Chase Freedom? (with a twist)

[Anonymous]

I can't apply for anything online as SSN is always a forced field. What I did do:

BofA: In branch (this is clearly stated on their website, as below), showed DL and passport:

Non Resident Alien: Please visit a banking center near you and we will gladly assist you in completing your application. Please note, you may not be eligible for any incentive offers when applying at a banking center.

No signup bonus with BBR card, so no biggie. They specifically did not allow me to use a US address as a Non resident alien, card mailed to Canadian home.

Banner Bank: In branch, showed DL and passport. Card mailed to Canadian home.

TD: Faxed in application using the Current Canadian resident cross border application. The SSN field on the application does not actually need to be filled in despite the asterix. Shipped to Canadian home using primary mailing address checkbox, but did provide a US address  http://www.tdbank.com/personalcreditcard/aeroplan.html#

On the cross border application they specifically state they will pull Transunion Canada credit report as the basis for credit approval, which explains my high limit despite minimal US history

[yfan]

Based on your latest reply, it may be best for you to just visit a Chase branch in Washington state.

[Callandra]

^Maybe call the branch before driving out there? (If it's a long drive)

[dragontears]

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@Callandra wrote:

^Maybe call the branch before driving out there? (If it's a long drive)

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+1

I honestly would call chase and find out what their policy is on getting a card as a non-resident alien.

[Anonymous]

OK I made the call - from one rep's answer, applications with no SSN will have to be done in branch, and will be based solely on US credit history (between slim and none for most Canadian applicants to the point that she has not seen a single approval to date via that route)

Otherwise, banker can pull the special reconsideration form which they want 10k in a checking account (seems like a super secured card, effectively)

I'll probably garden for another few months to get a solid year of credit history and then drive down to do the app in branch. Stayed tuned.

[Anonymous]

There should be some work around since Experian isn't even an American company, but it British as far as I know. Who would have thought?

[Callandra]

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@Anonymous wrote:

There should be some work around since Experian isn't even an American company, but it British as far as I know. Who would have thought?

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Yeah, but don't they have an American office in California?  Kind of like how Honda is headquartered in Tokyo but they have Honda here too! 

[taxi818]

Exactly. Being American company means nothing. Global is the key. Regardless where their registry is. They are part of the American standard when it comes to credit bureaus. As well as other countries.

[Anonymous]

Have fun with the FTF in Canada...? (Is this an issue?)

[Anonymous]

The whole point of getting USD cards in the first place was to avoid FTF on Canadian cards. 

Unless there was a giant minimum spend to work through there's no reason to put any Canadian dollar spending on a USD card... I have my own local cards for that.