So it's been a week that I'm still in the process of being verified on Kraken, Bitstamp and Gemini. I have coinbase but credit card limit is $400. I could do ACH but it takes 4 Days so I can't send the ETH straight to Binance to convert to XRP. Verification on GDAX does not work either it states please try again later.
Please help
there are no good options here. this is the slow legacy banking system in action. once you get verified, kraken does not accept deposits using ACH; wires only. coinbase/GDAX does, but they don't support XRP, so you'd have to wait for the ACH transfer to complete, then buy BTC (or BCH/ETH/LTC) then send it to another exchange that supports XRP.
apparently you can now buy XRP directly with a credit card on bitstamp. i'm guessing you would need to wait for verification to complete, though. and the fees are probably high. when they first offered credit card purchases for BTC, fees were 8%!
you're going to consider what fees you are willing to pay. the fastest option is localbitcoins (buy BTC instantly) --> send to binance (cheapest exchange fees) to trade for XRP. but premiums on localbitcoins tend to be high.