The admin has given you a very comprehensive answer. Schwab is no problem. I have accounts with Schwab and IBKR. Just keep US estate tax in mind while investing with Schwab. I don't keep more than $60k and will typically transfer to IBKR when crossing $50k. I prefer Irish domiciled holdings with...
What if you don't have serviceable work or home address as per IDs but have a trusted serviceble address you visit frequently for card delivery? Anyway to approach this? Whenever I tried to apply previously it said pin code not serviceable.
I wouldn't call it a scam. If you compare only the price, without considering the inclusions and benefits, then yes OTAs will beat their pricing most of the time.
This offer is for those who find value in amex FHR /THC offerings and we hope to do better than that with similar inclusions.