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insolent1

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  1. I write one annually to the IRS for the several hundred dollars I owe annually. Otherwise, I never write them... the last time I bought checks was probably the mid 2000s. The only other time I deal with checks/cheques [for our British friends] is when I'm at the grocery store and in a hurry to get the one item I need for dinner home. Inevitably, there is an older person who still believes that LBJ is President, charge/credit cards are only for business people, and they have to handwrite a check after taking inventory of their purse or their pockets. They need to stop paying as if it is 1966.
  2. Considering that many banks and credit unions will no longer accept P.O. Boxes as residential addresses for applications due to fraud/money laundering/terrorism concerns; that will not work. Unless you have a seasonal residence/a work address/a relative that will allow you to claim residency at their address in the region, you won't get approval from PNC or others.
  3. Aluminium from Beijing would be my guess.
  4. Sounds somewhat like fraud to me, submitting another person's name initially in order to receive a material benefit.
  5. Mine was available for view on my member account page, since I went paperless. USAA is a rather curious company.
  6. A lot of people are in identical straits as you. Some people get new AMEX accounts after 7-10 years in purgatory. Others may be there for two or more decades for charge offs, bankruptcies, or other issues. You might try contacting the executive offices to inquire as to what might be done in your circumstances, but AMEX isn't know exactly as a forgiving creditor.
  7. If you have any US based financial services transaction device such as a debit card, you can be found by persons or entities holding a judgement against you. Since Bangkok Bank has a US office, you can be discovered through that route. If you want to remain in the shadows, barter and cash are the routes to anonymity. Anything else has the potential for discovery and potential enforcement of any judgement.
  8. Chase & goodwill? Not on Mr. Dimon's watch.
  9. In my estimation, your ACH activity would be considered suspicious by most financial institutions, it generated too many AML/SAR actions, and that activity triggered the closures. Complaints will not force USAA to take you back because banks, CUs, and other institutions are required to adhere more diligently to AML regulations than to other obligations. As Burgerwars mentions, have other banking options available, but keep transfers to a minimal level to avoid the appearance of "structuring".
  10. Many police reports are purged after being closed a certain length of time and 9 years would be in the ball park of my state for misdemeanor and lesser felony crimes. An arrest, a criminal charging, and a court disposition would be recorded at the State repository level.
  11. I suspect your overall median scores are a bit low for AMEX, but what specifically do you want from a charge card as opposed to a credit card? Do you have business / travel expenses or significant recurring cash flows?

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