<prompt> Human: I am a Canadian by nationality and currently live in Canada. My only affiliation with the US is that I have a social security number from when I worked there a few years ago on an exchange visa.Ive recently started earning my income online in USD and want to keep it all in a US online bank Ally.com. Eventually I also want to get a USD credit card since most of my expenses are online in the US.I do have a family member in the US whose address I can use for these applications.Does this sound like a bad idea? Can anything go wrong?  <response>: You might find it reasonable to open one of those cross-border accounts with TD. They offer credit cards you can use in the US which can be paid in US funds but they also offer the support of having a Canadian bank should there be any issues re: transferring and so on. 