Banana credit card auto payment settlement

Mixing, Tumbling & Anonymizing Crytopcoin transactions

2017.09.19 07:32 CookyDough Mixing, Tumbling & Anonymizing Crytopcoin transactions

anonymization and privatization of cryptotokens
[link]


2019.11.01 05:58 thegreatunitor DCE: Buy, Sell, & Trade Digital Movie and TV Codes!

A place to buy, sell, and trade 4K, HD, and SD Movies Anywhere, Vudu, iTunes, and other Digital Movie and TV codes. RIP UV. Accepted digital currencies vary by seller. Please see the wiki for everything you need to know!
[link]


2023.06.03 23:31 D09913 I keep getting denied despite having no missed credit card payments for ~4 years and a 750 credit score

I’ve been applying for an Apple Card periodically over the past few months, but I keep getting rejected for some reason.
I have had a credit card that I use to pay all of my recurring purchases (~$250/mo) for close to 4 years now. I’ve never missed a payment and have a 780 credit score. I don’t understand why I keep getting denied.
Multiple Apple Store employees have told me that they were approved instantly with lower credit card balances & worse credit scores.
I’m told that I was denied because - My payment history on your accounts is too low - My payment on your revolving account(s) is too low - My TransUnion credit report doesn't have enough information about your installment trade(s) history
What does this mean? Thanks for the help!
submitted by D09913 to AppleCard [link] [comments]


2023.06.03 23:27 A_Anastasia Help!

Help!
Hello! Could you please help me to understand this email. Does it mean that I need to bring medical form to the local office? Did anybody get anything similar?
submitted by A_Anastasia to USCIS [link] [comments]


2023.06.03 23:08 ThatDasherDude Paying $25 For using my SoFi link. Plus SoFi gives you $25. SoFi also gives you $ for specific tasks. PLEASE READ

I'll pay $25 when the referral bonuses hit if you sign up with my SoFi and they will also give you $25 for signing up. You have to open an account and then fund the account with $10. The $10 you fund goes into your SoFi checking account. Also SoFi gives you points for doing specific things and you can trade the points for cash. When you sighn up for their FREE credit monitoring service they give you an instant 1,000 points and you can immediately turn those points into $10 in your SoFi checking account. When you activate your debit card you will get $1 (100 points) when you use SoFi to send money to a friend (instantly send or receive money to anyone that has SoFi, this is how I prefer to pay you the $25 but I can use PayPal cashapp or Venmo too) and you get $1, when you link your debit card to Google or apple pay you get $1. Set up a recurring bill payment and earn yet another $1 (I actually created a fake one got the 100 points then deleted it) SoFi also offers low interest personal loans, student loans, as well as credit cards. They use AllPoint ATM Network and using them are completely free! They even reward you if you open the app everyday!! I have had Chime, Varo and many others. For me SoFi has been the absolute BEST ONLINE CHECKING AND SAVINGS I have ever had. They are spectacular!! DM me for my link!!!
submitted by ThatDasherDude to referralcodes [link] [comments]


2023.06.03 22:59 CompetitiveGas4865 "We are unable to authenticate your payment method"

I hope you can help me with this it would mean alot. I have an issue with payment. When i enter my credit card information i constantly get an error stating "We are unable to authenticate your payment method , please choose another payment method and try again." I have carefully checked my credit card infos and tried to use diffrent cards but its no use and i always get the same error. The phrase about "Choosing another payment method and trying again." leads me to no solution at all, as i just get shown a purchase plan history and nothing else other than that.
I want to note that i have been getting this error after may 31st, and i did not re-register till that point.
submitted by CompetitiveGas4865 to ClipStudio [link] [comments]


2023.06.03 22:38 WelcomeWilling551 Refinancing Question

I was able to get an auto loan post chapter 7 filing and before discharge as I gave up a car that was so upside down it wasn't funny. Anyways this new car came with an obvious high interest rate and payment.
My question is how long before I try and refinance to a better rate? Anyone have personal experience? 6 months? A year? Credit score is hovering around 660 at the moment if that matters.
Discharge is slated for mid July! Thanks for any information!
submitted by WelcomeWilling551 to Bankruptcy [link] [comments]


2023.06.03 22:33 eenvtr Another Pig Butcher Crypto Romance Scam

** I know about not falling for the recovery scams, I've been reading this reddit for the past few days coping. Will add a TLDR at the bottom, I just really want to let this out. Maybe my rambling might show patterns to people that they have seen, and they won't be subject to falling for the same thing and they may snap out of it.**
Hi all,
I already know I was stupid, I ignored many red flags blatantly. I was recently affected by a crypto romance scammer. Story as follows:
I have not dated in almost a decade, I closed my heart off to a lot of people and lost a lot of friends on the way. I have always been an introvert, but finally broke out of my depression somewhat a year and a half ago. I began self improvement, and feel a lot better now than I did 5 years ago. I live alone, I'm lonely, and just turned 27. I have my own apartment, and felt it was time to start working on different parts of life, instead of doing everything alone.
I decided to give online dating a try. I matched with a girl on Tinder, and I was the first to initiate. I messaged her, and she did not reply for a day. There were a couple sentences exchanged back and forth, and she asked for my phone number. I ended up providing it to her, since my friends always recommended to get someone off Tinder as soon as possible.
She messaged me on my phone, and we had a few back and forths on many different topics and ideas. It seemed surreal since it felt like I was clicking with her very well. This usually does not happen at all with people I meet in real life, and she was leading multiple parts of the conversations, which did not raise a flag to me. She mentioned that English was not her first language, I was ok with that because the English was written well, a few hic ups here and there in the conversation, but I chalked it up to a language barrier. It did not seem to be translated at all, she was even using well structured sentences with unique words that you do not hear day to day, which I assumed would not be translated in the normal sense (think obfuscate).
Some of the conversations we had was what we did for work, what our hobbies and goals are. Our taste in music, movies, recommendations. It seemed so normal first for a conversation. On the end of the second day, she wanted me to download telegram which was a possible red flag, I never trusted google hangouts, telegram, whatsapp due to scammers being known for using these applications. I was a bit hesitant but she wanted me to download it so she could talk to me while she was at work. I eventually agreed, we said our good nights and I went to sleep. I generally keep my guard up with people (why are they being so nice, what do they want from me?), but I ended up going with it since I was genuinely enjoying this person.
I added her on Telegram, and we were continuing our conversations from the day earlier. Said our good mornings, and talked more about goals and aspirations. She would talk to me about her childhood, and I would talk about mine. We eventually began exchanging pictures (nothing sexual), voice recordings, jokes. We talked for a week, and she began talking about how she uses AI for short term node investing to make money on the side while she was working and invested at times the AI told her to. I said cool, and continued with our normal conversations. Eventually I was beginning to get loved bombed and sweet talked to over the course of a couple weeks. I was feeling great about myself, and confident. I felt like I had a connection to them, I was mentioning her to friends and family about how awesome she was. About a week and a half in, she said she had to travel for a few weeks to a different part of the USA. Another red flag yay. Probably 5 so far?
I was super skeptical, but not enough. This girl intrigued me so much. I was sick for about a week, and she was constantly checking up on me and reminding me to eat, sleep, take my temperature, and to get up every few hours to stretch. None of my family or friends do this for me, which made me fall for her a bit more. She made me reconcile with my parents too, and my relationship with my parents is a lot better than before. She did mention before that she was very family oriented, and it opened my eyes that I should leave the past in the past, and embrace the future.
We had a heart to heart with one another one night, I don't want to go into details but she explained why she was single and why I was single, and this kind of sealed it for me I think. LOOOOTS of love bombing after this. One of the patterns I was noticing through the weeks is that she would always message me at 10 am, the good mornings and the like, and go to bed at 12 am (shift change anyone?). Never any messages before or after this time. She also facetimed me, had a quick conversation, but she claimed the connection was bad, so we ended it after a few minutes. I read this was a common thing after I got scammed. She was a real girl, I've heard her and seen her, but she is most likely just part of an operation. I even reverse image searched her on multiple different platforms, no results showed up. Insane.
She began talking talking about her crypto again, and wanted me to join her! I did not care about the money as much as I was caring about her. I wanted to start for her. She showed me how to to buy crypto, and how to put it in my wallet, and how to set up 2FA to transfer the crypto to said wallet. Seems normal so far, and we continued the next day. One of the things I noticed was that I was getting the drive to learn back, I dislike my current job. It's monotonous, boring, tedious, and this was something new! She got me back into reading, watching shows, improving on myself in different aspects of life.
The next day, she showed me how to use the browser in the wallet, to start staking crypto, and make passive income. I started with 200 USDT. I am kind of broke right now since everything costs so much and I make an OK wage. This could lead to financial freedom I thought. The website itself was fishy, poorly done, numbers had floats attached to them. Did not look professional, but I felt like I was in love and I could trust her. I know it's stupid loving someone you have not met.
After a few days of staking, I withdrew the money into my wallet. Looked legit! I made money. Not that much, but it was something. She mentioned to me how much money this makes compared to a 401k or roth IRA, seemed believable. She then showed me what app she uses for the short node investing. It was not on the app store, so I had to follow a link to download it (yay another red flag I saw and ignored on purpose). I set the app up and we said our good nights.
During the next day, she began walking me through how to use the app, how to input money from the wallet I have, including my staking if I wanted to. She sent me 20 dollars in ETH for the gas fees to send the USDT. Made me believe in her even more. I inputted about 250 USDT into the app, and we began short term node investing. I made about 100 dollars that day. Felt good. Yes I know it's fake.
The next day were serious red flags. She told me how her coworker withdrew his full 401k (40k USD) and put it into staking and short node investing, and has made a few hundred thousand dollars. I was intrigued, and she said I should do that too. I want to thank my job and bank for only letting me withdraw half, and loaning it against myself, and not letting me do a hardship withdrawal. I withdrew about 6000 USD from my 401k, sent it to my bank, and wired it to crypto. After waiting a few days for it to clear, I put it into my wallet, and into the fake exchange for short node investing.
I made about 44000 in fake money over the course of a couple days. She mentioned there's a new member reward, if I put in 10k USD in my account I get another 800 USDT free for being a new member. I mentioned that I can't, rent would be in a few days, and I needed the money for rent. She assured me that I should let my money work for me, and that I can withdraw it when I needed to for rent. Trusting this, I put my rent money into the fake exchange expecting to be able to withdraw it later since I was able to withdraw money before.
I got to about 8.5k USDT, 1.5k away for the free 800 USDT from the rewards program. She recommended me to apply for bank loans (another red flag LOL, but I was blinded). I never really built my credit at all before, only car loans and a credit card that I missed 2 20 dollar payments 4 years ago. My credit is low (640) so I could not loan out 50k from the bank like she wanted me to. The best I could do was 1.5k. I ended up getting my first credit card in a long time, it has a 500 dollar max currently and unsecured.
I did not end up taking out the loan (not yet), and I did not using any of the credit card to buy crypto with. This is when I began to believe something was wrong. There's no way I am getting scammed! She was messaging me and talking to me 15 hours a day, right? That's a lot of time investment.
Rent day was coming up, I went to withdraw my rent money from the fake exchange. I got an email stating I have to pay 5k in fees to withdraw the money because I won a lot of money.
I talked to her about it, inquiring why I could not just take out a portion of my principle I put in, without touching any of the winnings. She claimed it was for tax purposes and forgot to tell me. I half believed her. I talked to 2 friends seeing if I could loan out 5k from them. One said they will talk to their wife first, I respected their decision. They ended up saying no, I said thank you and I understood.
The other friend said sure, since I payed back a loan another friend gave me timely in the past. He tried to send it to me via cashapp, but was told to contact his bank first. I am very happy that happened. I said don't worry about it, I'll find out what to do. Didn't mention it the next day since I was still thinking.
Rent day came, and I took that 1500 loan to pay most of my rent. I still had a little extra money in my account to cover the full rent. Paying 500 dollars back a month on this loan to get it done asap, since my credit history isn't good, and I don't want to pay 30% interest. I'd rather loan from a bank if I can than mess up a friendship due to my stupidity.
I didn't talk to the girl for almost a full day, she kept trying to check up on me asking if I was ok and sending me voice messages. I went to a bar with friends and had a great time. I have 30 dollars in my bank account now, I get payed next week, I have a 1500 dollar loan with 30% interest I have to pay back, and 6000 dollars in a 401k I have to pay off that comes out of each paycheck. I stopped contributing to it so I don't feel as underwater.
I began responding to her, her messages weren't as lovable or frequent anymore (most likely because I mentioned that I am no longer interested in short node investing unless I get a portion of my principle back), maybe good morning and good night, and something short in the day. I used to reread our full conversations from the days when we began first talking, it just felt like bliss to me. Now I hardly want to talk to her, I downloaded and exported our conversation history from Telegram, but keeping her there just incase I can use something against it. Most likely won't be able to.
A friend mentioned to me he saw her account on another dating app, and they reported it. Different name, only a few miles away when she's supposed to be somewhere else. I told one friend about this story so far. They are very close to me and we had a heart to heart about it.
The most painful part about this is that I told my mom and sister about how I met someone new that really clicked with me, and I was finally happy. I struggled for so many years and they noticed my demeaner changed and were super joyous about it. Not only that, I don't miss the money I lost (~8.7k dollars), I miss the person that I thought I was building a relationship with that I would eventually meet and love. I was on Tinder for 3 months before I found her, every conversation was so dry and uninteresting to me until I met her. I only talked to her for about a month so maybe that is why I was able to break the spell early.
I feel free right now. I thought I would go back to being depressed, but I feel like I gained more than lost from this. I learned how to be a bit more sociable with people, what to look out for in scams (this one was way different than any I have ever experienced), to talk to people close to me about their thoughts of what's going on. I kept it all in. My relationship with my family is better because of her, but I will miss the person I thought that was for me. They really are intelligent in what they do, it's crazy. Maybe I found out that I am a hopeless romantic when my guard is not up. Which sucks, but it is what it is.
I will try to pay back all my loans asap, it's not too much money, but I will have to live more frugally at the moment. I'm not ready to let me mom or sister know, but I told one of my friends so far that won't joke about it. I am also happy I did not rope any friends into this. I needed time to clear my thoughts and do what I could to make this right.
Whenever I see her pictures online, I feel melancholic. I report her to the apps but it forces me to see what could have been if it was real. I have also submitted a case to the FBI, I don't know what else I should send to.
Thanks for reading if any of you did, I rambled a lot.

TLDR:
- Haven't dated in years, met chick on dating app and I was first to initiate
- She asked for my number, I gave it to her
- Quickly moved onto Telegram
- Lovebombed for weeks
- Mentions she's an investor in crypto, and wanted me to join her
- Blinded by fake love, lose 8.7k USD to the scam, everything in my bank account + half my 401k
- Had to take a loan out from a bank to pay rent
- Will miss the person I thought was for me more than the money lost itself
- Learned more from this than lost in my opinion. Thank god I'm already poor. It could have been much worse if my credit was good. Now I am on the path to building my credit for the first time in years.
- I'm aware that I was most likely talking to different people over Telegram, and she would send the recordings herself or facetimes.
submitted by eenvtr to CryptoScams [link] [comments]


2023.06.03 22:27 imsorood Can I afford $3,000/mo rent?

Hi! Would love to get opinions from this sub. I'm trying to figure out if I should splurge a little bit and get an apartment that is $3,000/mo.
Some context:
My fiancé isn't working right now, but will begin in the next year (she has to finish a year-long credential program). Her salary will be around 60-70k/yr when she starts. She'll probably work part-time this year, but trying not to depend on that.
$3,000 is 35%~ of my take-home. Is it okay to splurge a little bit to get the place we really want? I wanted to keep our apartment under 30% of our monthly take-home so we can continue saving for a down-payment on a house, but I'm having a hard time finding places < $3k/mo that we really like.
Would appreciate thoughts/opinions! Thank you!
submitted by imsorood to personalfinance [link] [comments]


2023.06.03 22:19 pnglctc Seeking advice regarding credit card collection debt

TLDR; skip to the end for the actual questions. Some of them don’t need context.
I’ll save all the details of how I got myself into this mess in the first place and cut straight to what’s going on now. In short, I was unable to make even the minimum payment on all of my credit card bills. This has resulted in all of those companies closing my account and sending the balance off to collections, in which I have been contacted countless of times about. Now, I do want to preface this with I’m not one of those people who ask questions without trying to find the answer myself first. I have Google’d my questions a million different ways and I either can’t find answers that relate or I straight up do not understand what they’re talking about. Now, I don’t expect a stranger to take time out of their day and write up a personalized credit consolidation plan for another random stranger, but some specific advice is needed here.
I was an Amex customer ever since I got approved for my first CC with them in 2017, I didn’t have much of a credit history so I was approved for $1,000 at the time. I used my card often and I won’t lie, occasionally carried a balance over from month to month but nontheless still made more than the minimum payment every month before the due date. My account was in good standing with no remarks for 4 consistent years until suddenly I was 30, 60, then 90 days late on my balance and it was closed.
I have three total CC accounts in collections and as soon as I was notified by the other two that my account was closed and headed to collections, I received calls from debt collection agencies. For my Amex however, it has never been anyone on the other end of the phone other than Amex themselves. I stopped receiving emails from them about my credit card bill but instead I would occasionally receive an email with an offer to settle my balance and to call or contact them if I have any questions. Can anyone explain this to me? Why am I not getting calls from random debt collectors for my Amex account?
The balance I currently owe to Amex is $1,413. I received an email from them with an offer to settle my debt for less and they gave me a couple of options, one was to settle for $500 and something, the other for $713 and the last option was to pay off my balance in full. Of course, the last option was most recommended.
When it comes to settling a CC collection debt for less vs paying it in full, does it make a huge difference in the increase of my credit score? In the offer letter, it states that once Amex has received all the funds for my remaining balance, they agree to report my balance as $0 and paid in full to the credit bureau. Would I still need to write a letter afterwards asking them to remove the collection off of my report, or is that the same thing in different words? I do understand that it is very easy to settle a debt for less, but I am wondering if that jeopardizes any future relationship I want to have with that CC company in the future? I called Amex to discuss the plan for my payments, and when I asked if paying in full would help my chances of being approved for another card in the future this is what the agent told me; It would be amazing to pay off the full balance and you will then be eligible for the Amex Optima Card (and from my research that seems like Amex’s “second chance” card). Once my debt has been cleared, I am pre approved for an application for the Optima and upon approval, if I make consistent payments I will have the chance to apply for an unsecured Amex card again. When she explained this to me, I was so happy to hear that I wasn’t going to be on that dreaded blacklist for life. I am wondering if anyone has any personal experience with this or even any knowledge at all. If I contact them and tell them I am willing to pay X amount to settle my debt with them rather than paying in full, will my chance at another Amex card be gone?
The same kind of question goes for the other CC companies (CapOne & Chase) but the only difference is that I am no longer communicating with them anymore. I would be communicating with whatever debt collector spent 4 cents on it.
My main questions that I would love any insight at all on are as follows:
Does paying a credit card collection debt in full versus settling the debt for less make a big difference towards a credit score increase? $700 is a lot more doable than $1400, so if it doesn’t change much, I’d rather settle.
Does settling your debt for less completely destroy your relationship with a bank forever?
When I am having these conversations about my debt with the collectors, do I need to ask if they will remove the debt off of my report?
Last question, on a scale of 1-10, how fucked is my credit after all of this? I have around 10k of CC collections under my name. I have a couple of things that are helping, like a car loan and being an authorized user on some other accounts. Right now my scores are at 601, 591 and 579. (Experian)
Even after they are all paid off and potentially removed, will my credit score even be that much higher? Before all of this all happened, I was almost to the 800 club. Feeling very hopeless here!
submitted by pnglctc to CRedit [link] [comments]


2023.06.03 22:17 GoastRiter [GUIDE] Living Large in Los Santos: Unleashing Chaos. Making Friends and Rediscovering the Thrill of GTA Online!

If you're reading this, perhaps you're like me. You have most things you want in GTA Online. You've "done it all". And now you're bored.
But... have you *really* done it all? Turns out, most of us haven't. There's so much to do in this game, and it's easy to get stuck in old habits that prevent us from discovering everything there is to do in Los Santos!
So I began writing down all my ideas for having fun in the game, and basically use these suggestions as guidelines to always find something new to do. It has completely reinvigorated my joy for the game, and I hope it can help you do the same!
If you're having trouble with motivation or inspiration, then I suggest picking something at random from the list and just doing it! You might disccover that you love it, just like I did!
And if you have anything more to add, please share your comments so that we can all help build this list together. :)

Let's go!

submitted by GoastRiter to u/GoastRiter [link] [comments]


2023.06.03 22:15 GoastRiter [GUIDE] Living Large in Los Santos: Unleashing Chaos. Making Friends and Rediscovering the Thrill of GTA Online!

If you're reading this, perhaps you're like me. You have most things you want in GTA Online. You've "done it all". And now you're bored.
But... have you *really* done it all? Turns out, most of us haven't. There's so much to do in this game, and it's easy to get stuck in old habits that prevent us from discovering everything there is to do in Los Santos!
So I began writing down all my ideas for having fun in the game, and basically use these suggestions as guidelines to always find something new to do. It has completely reinvigorated my joy for the game, and I hope it can help you do the same!
If you're having trouble with motivation or inspiration, then I suggest picking something at random from the list and just doing it! You might disccover that you love it, just like I did!
And if you have anything more to add, please share your comments so that we can all help build this list together. :)

Let's go!

submitted by GoastRiter to gtaonline [link] [comments]


2023.06.03 22:12 Professional_Hat_74 How long of credit card report need for a AMEX card

Hey,
Have my credit report from 2019 when I was exchange student in UK, then go back to uk 2021 for MSc, and full time work in London from 2022. I had my first credit card (HSBC UK Premier, credit GBP 6000) Mar 2023.
Tried to apply the BA Amex card, in Apr the eligibility checker's score is 5, now being 7 (guess is because they get first few rounds of credit card payment history) but still get rejected immediately.
I have experian score 820, partly because my credit utilisation is high (45%), but I can always pay in on time, just because spending 3k a month is super easy in London.
Do any guys have any idea? Is my credit report too short for them to review or it's because my utilization high? TY
submitted by Professional_Hat_74 to AmexUK [link] [comments]


2023.06.03 21:44 UnidentifiedAnimal0 Is this good price?

Is this good price?
Went up to car sale man, told him I just want the price/ numbers for octane red 2021 challenger rt auto with 17k miles
submitted by UnidentifiedAnimal0 to Challenger [link] [comments]


2023.06.03 21:35 MettaCetoVimutti Need to consolidate credit card debt

I need to know how to consolidate my credit cards
I have several accounts but looking to take out five or six thousand dollars
This amount represents two of the highest interest accounts
I looked on US Bank website and it says personal loan requires 660 credit or higher and personal line of credit requires 680 or higher My score is about 620 even tho I make all my monthly payments I have high balances on several cards
I understand that I’ve made bad financial decisions; can’t change the past but want to get serious about making an impact here
I can try to get a loan from a company outside of my bank but I’ve been scammed before so I want to make absolute sure that if I do go with this option I’ll be safe
I’ve been very depressed from being crushed with debt so any help is appreciated
submitted by MettaCetoVimutti to personalfinance [link] [comments]


2023.06.03 21:31 StoryAlternative6476 Prepaid card to pay off bills?

Recently started donating plasma to help with some extra income and I've found a roadblock. They pay me via a reloadable debit card. Places like my credit card company only allow me to input bank accounts as payment methods. Is there any way around this? I checked Paypal to see if I could add funds from the card to my account and then transfer them into a bank account and I can't. It's not the end of the world if I can't use the money for this but it would be a really good motivator to pay down my debt faster.
submitted by StoryAlternative6476 to povertyfinance [link] [comments]


2023.06.03 21:12 PM_ME_UR_FAXES 2023 ITIN Guide (2022 Tax Forms) for Canadians to Churn US Credit Cards

2022 1040NR / W-7 ITIN Application Guide - Gambling Income Method

The purpose of this post is to provide a simple step-by-step guide for Canadians to apply for and obtain an ITIN so that they can apply for US credit cards and take advantage of US credit card signup bonuses. This guide involves submitting a Form W-7 Application for ITIN and a 1040NR non-resident tax return to the Internal Revenue Service (IRS).
This is a method that should apply to most Canadians. Please leave all questions as comments, as I often browse through this thread without logging in and generally do not respond to DMs.

Disclaimer

I am not a qualified tax professional, so please use this guide at your own risk. The information provided here is for educational purposes only and should not be used as official tax advice.

Notice about Paid Services

Paid services are available, but they are not necessary as the forms are simple to complete. I do not endorse any specific service. If you choose to use a paid service, ensure that their PTIN and full name are disclosed on any 1040NR form you file.
The preparation of a tax return for compensation, including the 1040NR non-resident tax return discussed below, requires that the preparer be registered with the IRS, and the preparer must include the PTIN and their personal information (including their name) on the second page of the 1040NR under "Paid Preparer Use Only", irrespective of the method of submission. If you pay for a service that prepares for you an 1040NR (including a "draft" of such a return), and fails to disclose their PTIN on the documents you file, that preparer may be subject to IRC 6695 penalties, injunction and/or disciplinary action.
If you are using a paid service always ensure that their PTIN and full name are disclosed on any 1040NR you file. It protects you too, as they can be penalized by the IRS for unauthorized disclosure or use of your personal information.

Big Picture: How it Works

There are very specific reason where the IRS will issue an ITIN. These include to obtain tax treaty benefits, to file a tax return, and more. Throughout the years, administrative efficiency has taken away the need to issue an ITIN for the purposes of obtaining a tax treaty benefit. So if you have been reading about obtaining an ITIN by saying "I need an ITIN to reduce my withholding tax with Amazon/Smashwords", this no longer works, it is not worth your time to try.
Instead, the ITIN can be obtained by filing a tax return declaring some amount of U.S. income, which I will share with you upfront, although paid ITIN services will skirt around informing you of this directly. The fact that you haven't actually earned anything is irrelevant here (unless you don't want an ITIN lol). The self-declared income can be sourced from US-based online casinos, so you don't even need to set foot in the USA to claim US-source gambling income (as noted by Prince of Travel).
Think of it as "I have $85 USD of gambling/interest income sourced from the USA (e.g. gambling: specifically from blackjack, baccarat, craps, roulette, or big-6 wheel; interest: interest from a US source), and I'm an upstanding person so I need to report it to the IRS".
This guide will use gambling income, but it only takes minor changes if you want to report interest income instead on your 1040NR instead.

Timeline

The time it takes for you to receive your ITIN letter varies greatly but appears to have settled around 1.5 months in 2023 at the time I updated this post. You may want to read through comments in this thread or the 2022 thread (for 2021 tax forms), to see other people's timelines. Please share your own! I sort the threads by New in order for newer data points to be more visible.

Who it won't work for:

What you'll need to prepare the forms:

What you don't need:

Completing the W-7 (Rev Aug. 2019)

2022 Form 1040NR:

Schedule 1:

Schedule OI:

Job done!

Congratulations! You finished completing the forms! The next step is to submit the forms to the IRS, briefly here are the four options:

Mailing instructions:

Mail signed W-7, signed 1040NR, Schedule 1, Schedule OI and proof of identity (e.g. original passport or certified true copy of passport) to:
Internal Revenue Service
ITIN Operation
P.O. Box 149342
Austin, TX 78714-9342
USA
Suggested method is via registered mail with Canada Post (~$15), for proof of delivery and tracking. If you are using a private courier (e.g. UPS, FedEx, etc.) use the mailing address on Pg 6 of the W-7 instructions.

IRS Taxpayer Assistance Center - In-Person Appointment

You can submit your forms in-person at an IRS Taxpayer Assistance Center (TAC), located across the USA and available by appointment only during normal business hours. Applying at a TAC saves you from having to mail in your original passport or paying for a certified true copy of your passport.
Call 844-545-5640 to schedule an appointment in advance, up to 2 months before, you will need one appointment per person, even if they are your spouse. Some people have reported difficulty calling from a Canadian phone number, and have been able to obtain success using a VoiP to make the appointment. Others have also reported success from calling 267-941-1000 (not a toll-free number) and letting the phone agent transfer you to the proper line. If the lines are busy, you will need to keep trying until you get through - I would recommend calling with a couple different phones until you get through.
You will need to bring your passport, as well as a duplicate copy of your forms so they can stamp them as received. Upon completion, they will inform you that you will receive a letter letting you know of your ITIN application results mailed to your home.
Appointment length differs based on the agent that serves you. There are data points that go from 20 minutes per person up to 1 hour. Some data points indicate that the clerk at the TAC may confuse your application with another reason of registering for an ITIN (e.g. meeting the substantial presence test). Remember that the clerk's role is to make sure your application is complete before submission, and they do not make any determination on your ITIN application. Kindly remind them that the reason you are filing is to file a tax return (the 1040NR) and that you need it submitted to the ITIN group for their consideration.

Payment

As noted previously, you will owe a small amount of tax to the IRS. Comprehensive instructions on how to pay your US taxes are online.
You can either pay with filing of your 1040NR, or after you receive your ITIN. The easiest way may be to obtain a $USD money order from a Canadian bank (TD, BMO and HSBC are all capable of this), and submitting it with your TAC appointment, or the mailing of your application.
If you have a U.S. bank account (not a $USD account at a Canadian bank) you can also pay by online banking, but only after you obtain an ITIN.
From my own research, if you have a BMO premium chequing account (account fees waived for a minimum balance of $6,000), you're eligible for a BMO $USD chequing account (no fees for withdrawals/deposits), and $USD money orders issued at no fee.

Aren't I Late on filing/paying my taxes for 2022?

If you are concerned about filing your 2022 after the April 18, 2023 filing deadline, it appears from Form 2210 that there is no penalties due if your income is less than $1,000. You will still owe interest on late payment, you can add $2 or $3 to the amount you owe to cover.

I lost my ITIN Letter!

If you lose your ITIN or your ITIN letter, you can get the ITIN by calling the IRS at +1 267-941-1000 and provide your name, mailing address, birthdate. You can then request a generic letter with your ITIN to help you with proof of your ITIN.

ITIN Expiry

Your ITIN will expire. I have not seen any evidence of them reassigning an ITIN to someone else yet, but the possibility exists.

End note

This post was written for free. I'd appreciate it if you would spend a moment to share your timeline (application, ITIN letter, return of proof of identity) and any additional tips you think should be noted! Appreciate the thought. :)

Questions? I do follow this thread. Please post in this thread, do not DM me.

Also, PM me your faxes.

submitted by PM_ME_UR_FAXES to ITINforCanadians [link] [comments]


2023.06.03 21:08 Adventurous_Luck_269 What should i do with old credit cards, for closed accounts?

I'm in my 40s now. I opened three credit cards (my 1st three) back in my 20s, then let them get closed due to inactivity. Nothing was charged off and my payments were (almost) always on time, I just found that dealing with credit cards was a hassle, and stopped using them. The accounts were closed with zero balance, around 2012 - 2015. Years later, now in my 40s, I have a much better hold of my life, and I have the bandwidth for credit. I had to re-establish it back in 2020, due to my credit history being gone. I now have 3 new cards, and my FICO is around 800. My credit report says that my oldest account age is 24, so they must be counting at least one of the cards i opened back then, even though they've been closed for 8-10 years.
I imagine my score is partially due to my old age of credit, and I worry that my credit score will drop significantly if/when these old, closed accounts drop off my report. Should i worry about that? And is there anything i can do to keep my score up? Besides pay on time, that is.
PS. I feel i should specify what I mean by "almost always on time" when it comes to my early credit history. Two late payment on the Citi card, two on American Express, none on Wells Fargo, and none of them more than 60 days late. Over the course of 10+ years.
submitted by Adventurous_Luck_269 to CRedit [link] [comments]


2023.06.03 21:07 Future_Economics_132 Tymit Credit Card - Free £10 Referral Credit for £15 spend

Tymit is an app-only credit card. For each purchase you get the option to pay off in full, get 3 months interest-free or see exactly how much interest you would pay if you want to spread the payments for longer. There are no fees to get the card.
Every month you can also withdraw up to £200 from a cash machine without incurring any fees or interest, which you can also choose to pay back over 3 months interest-free should you need to.
They offer a referral promotion which gives both the referee and referrer £10 as soon as the referred person makes three £5 transactions on the card. You can also earn £10 for every person you go on to refer.
Steps:
1 - Click on the link, set up an account, confirm your identity and order the card.
2 - Card details are immediately available in the app so either use the virtual card to make three £5 transactions or you can wait for your physical card to arrive if you prefer.
3 - You will instantly get £10 credit on the Tymit card.
Ref link £10 bonus: https://application.tymit.com/join/DANIEN9188 or download and enter the referral code DANIEN9188.
Non-ref (no bonus) - https://tymit.com/
Thanks for signing up with my referral link if you do!
Note that as this is a credit card you may be credit checked when you apply.
submitted by Future_Economics_132 to beermoneyuk [link] [comments]


2023.06.03 21:00 seeldoger47 [H] $500 Amazon GCs [W] 85% Western Union/BTC [H] PayPal, Cash App, Crypto, Apple Pay, or Venmo [W] All Your Gift Cards

You can download the WesternUnion app and send the payment from your phone and I will pay the fees.

Desktop Users: Comment on this post and Click here to start a trade App Users, please include the following in your PM (Remember to comment on this post as well):
  • Type of card(s) and amount of each.
  • What payment method you accept.
  • How you acquired the GC and why you're getting rid of it.
BTC, Paypal1, Apple Pay, Chime, Cashapp, Venmo, and Western Union
I only have Steam as a substitute for cash payments in gift card trades.
Want ↓ Cash or a Gift Card ↓ BTC ↓
Apple 60%4 NA
Amazon.ca 50% 50%
Amazon.co.uk 50% 50%
Amazon.com 70% 55%
Amazon.de 50% 50%
Amazon.es 50% 50%
Amazon.fr 50% 50%
Amazon.it 50% 50%
Amazon.jp 30% 30%
Arrow Films 65% 60%
Barnes & Noble 50% 50%
Baskin Robbins 60% 60%
Best Buy 60% 60%
BJ's (not BJ's restaurant)4 60% NA
Bloomingdales 50% 50%
Burger King4 60% NA
Clothing Shops (Small Boutique) contact me contact me
Dell4 60% NA
Delta gift cards4 65% NA
Delta Sky Miles4 PM me NA
Delta Vouchers4 65% NA
Dicks Sporting Goods 4 PM me NA
Disney Plus PM me PM me
DoorDash 70%6 NA
Dunkin Donuts4 60% NA
eBay 70% 70%
Fandango4 10% NA
Five Guys4 60% NA
Gamestop 60% 60%
Gas Station Cards4 PM me NA
Grub Hub 70%6 NA
Gyft 70% 70%
Half Price Books 50% 50%
HBO4 70% NA
iTunes4 60% NA
J crew 40% 40%
JCPenney 25% 25%
Jersey Mike Subs4 60% NA
KFC4 60% NA
Khols 30% 30%
Macys 35% 35%
Magazines.com 40% 40%
McDonald's 4 60% NA
Microsoft6 60% NA
Moe’s Southwestern Grill4 60% NA
Nintendo Eshop6 70% NA
Nordstrom 50% 50%
Panera bread4 60% NA
PSN6 60 NA
PSN Plus 12 month4 NA NA
Saks Fifth Avenue 50% 50%
Sears 50% 50%
Sephora 50% 50%
Speedway4 80% NA
Starbucks 55% 55%
Steam6 60% NA
Subway 4 PM me NA
Taco Bell 60% NA
Target 50% 50%
Uber6 70% NA
Urban Outfitters 50% 50%
Vudu4 50% NA
Walmart 60% 60%
Wendys4 60% NA
Xbox (gift cards)6 60% NA
Xbox Game Pass Ultimate (12 month/6 month/3 month/1 month)6 PM me NA
Other Clothing Stores, Gas Stations, Grocery Stores, Restaurant, & Fast Food gift cards PM me
1 When paying via PayPal, I can only send payments via Goods and Services, thus you will be charged a fee. If you'd rather not face this fee there are plenty of alternatives. 2 Larger denominated gift cards preferred. 3 PayPal is the only payment option. 4 I can't send less than $10 in crypto per Coinbase's rules.

What I don’t buy:

  • Amazon.au
  • Bass Pro Shop
  • buffalo wild wing
  • Canadian tire
  • Cold Stone
  • Dairy Queen
  • Fanatics
  • Google Play
  • Hilton Honors
  • Hot Topic
  • iTunes from anywhere but the US
  • Krispy Kreme
  • old navy/gap/banana republic
  • Patxi's pizza
  • PSN Canada or UK
  • publix
  • Raceway
  • Scheels
  • Shell Gas Stations
  • Spotify
  • Tractor supply
  • Xbox Canada or UK
  • Xbox live gold
Any fees are built into the price.

Selling

I have:
$500 in Amazon (can be broken up) and am selling at
  • 85%: WesternUnion
  • 85%: btc
  • 90%: Apple Pay or Chime
Here are my GCX Rep profiles with 932 trades worth more than $60,000:
Important: before you send your codes please make sure your account is secure (if your password is twelve characters or less it's best to assume your account has already been compromised; your password should be eight randomly selected words, see 1 and 2). Scams where compromised accounts are used to leverage reputation to scam an unsuspecting user, used to steal codes during the middle of the trade, and steal unused gift cards the victim was saving for later are increasingly commonplace. If you have any concerns as to your account's security, please reset your password now and force logout of all sessions. Thanks
submitted by seeldoger47 to giftcardexchange [link] [comments]


2023.06.03 21:00 seeldoger47 [H] $500 Amazon [W] 85% Western Union/BTC [H] PayPal, Cash App, Crypto, Chime, Apple Pay, or Venmo [W] Apple, Amazon (CA, Com, DE, ES, FR, IT, UK), B&N, Dunkin, eBay, Grub Hub, Gyft, iTunes, JCPenney, Microsoft, PSN, Steam, Target, Uber, Walmart, Xbox + more

You can download the WesternUnion app and send the payment from your phone and I will pay the fees.

Desktop Users: Comment on this post and Click here to start a trade App Users, please include the following in your PM (Remember to comment on this post as well):
  • Type of card(s) and amount of each.
  • What payment method you accept.
  • How you acquired the GC and why you're getting rid of it.
BTC, Paypal1, Apple Pay, Chime, Cashapp, Venmo, and Western Union
I only have Steam as a substitute for cash payments in gift card trades.
Want ↓ Cash or a Gift Card ↓ BTC ↓
Apple 60%4 NA
Amazon.ca 50% 50%
Amazon.co.uk 50% 50%
Amazon.com 70% 55%
Amazon.de 50% 50%
Amazon.es 50% 50%
Amazon.fr 50% 50%
Amazon.it 50% 50%
Amazon.jp 30% 30%
Arrow Films 65% 60%
Barnes & Noble 50% 50%
Baskin Robbins 60% 60%
Best Buy 60% 60%
BJ's (not BJ's restaurant)4 60% NA
Bloomingdales 50% 50%
Burger King4 60% NA
Clothing Shops (Small Boutique) contact me contact me
Dell4 60% NA
Delta gift cards4 65% NA
Delta Sky Miles4 PM me NA
Delta Vouchers4 65% NA
Dicks Sporting Goods 4 PM me NA
Disney Plus PM me PM me
DoorDash 70%6 NA
Dunkin Donuts4 60% NA
eBay 70% 70%
Fandango4 10% NA
Five Guys4 60% NA
Gamestop 60% 60%
Gas Station Cards4 PM me NA
Grub Hub 70%6 NA
Gyft 70% 70%
Half Price Books 50% 50%
HBO4 70% NA
iTunes4 60% NA
J crew 40% 40%
JCPenney 25% 25%
Jersey Mike Subs4 60% NA
KFC4 60% NA
Khols 30% 30%
Macys 35% 35%
Magazines.com 40% 40%
McDonald's 4 60% NA
Microsoft6 60% NA
Moe’s Southwestern Grill4 60% NA
Nintendo Eshop6 70% NA
Nordstrom 50% 50%
Panera bread4 60% NA
PSN6 60 NA
PSN Plus 12 month4 NA NA
Saks Fifth Avenue 50% 50%
Sears 50% 50%
Sephora 50% 50%
Speedway4 80% NA
Starbucks 55% 55%
Steam6 60% NA
Subway 4 PM me NA
Taco Bell 60% NA
Target 50% 50%
Uber6 70% NA
Urban Outfitters 50% 50%
Vudu4 50% NA
Walmart 60% 60%
Wendys4 60% NA
Xbox (gift cards)6 60% NA
Xbox Game Pass Ultimate (12 month/6 month/3 month/1 month)6 PM me NA
Other Clothing Stores, Gas Stations, Grocery Stores, Restaurant, & Fast Food gift cards PM me
1 When paying via PayPal, I can only send payments via Goods and Services, thus you will be charged a fee. If you'd rather not face this fee there are plenty of alternatives. 2 Larger denominated gift cards preferred. 3 PayPal is the only payment option. 4 I can't send less than $10 in crypto per Coinbase's rules.

What I don’t buy:

  • Amazon.au
  • Bass Pro Shop
  • buffalo wild wing
  • Canadian tire
  • Cold Stone
  • Dairy Queen
  • Fanatics
  • Google Play
  • Hilton Honors
  • Hot Topic
  • iTunes from anywhere but the US
  • Krispy Kreme
  • old navy/gap/banana republic
  • Patxi's pizza
  • PSN Canada or UK
  • publix
  • Raceway
  • Scheels
  • Shell Gas Stations
  • Spotify
  • Tractor supply
  • Xbox Canada or UK
  • Xbox live gold
Any fees are built into the price.

Selling

I have:
$500 in Amazon (can be broken up) and am selling at
  • 85%: WesternUnion
  • 85%: btc
  • 90%: Apple Pay or Chime
Here are my GCX Rep profiles with 932 trades worth more than $60,000:
Important: before you send your codes please make sure your account is secure (if your password is twelve characters or less it's best to assume your account has already been compromised; your password should be eight randomly selected words, see 1 and 2). Scams where compromised accounts are used to leverage reputation to scam an unsuspecting user, used to steal codes during the middle of the trade, and steal unused gift cards the victim was saving for later are increasingly commonplace. If you have any concerns as to your account's security, please reset your password now and force logout of all sessions. Thanks
submitted by seeldoger47 to GCTrading [link] [comments]


2023.06.03 20:49 NoRecommendation5076 Gas and Credit Cards

This is getting to a blast as people go further into debt and more and more credit cards are being declined. I tell them payments go thru membership and I have nothing to do with it. One woman botched me out said she's a 30 year,Walmart employee and no reason for her card to be declined.
submitted by NoRecommendation5076 to samsclub [link] [comments]


2023.06.03 20:47 jimmonbrit PAYING CREDIT CARDS For BEGINNERS-MINIMUM PAYMENTS EXPLAINED 2023

PAYING CREDIT CARDS For BEGINNERS-MINIMUM PAYMENTS EXPLAINED 2023 submitted by jimmonbrit to videos [link] [comments]


2023.06.03 20:39 MrYoso_16 BDO increased my CL automatically

BDO increased my CL automatically
From 105k naging 130k. Kusa pala talagang tataasan ng bank mo if they feel you're a responsible CC holder. Thanks for the trust BDO 🫱🏻‍🫲🏼
submitted by MrYoso_16 to PHCreditCards [link] [comments]