A secured credit card is a real credit card account that requires a cash deposit. or have a poor credit history and haven’t been able to qualify for an unsecured credit card, you could consider applying for a secured credit card. Remember that if the primary cardmember on this account (typically a family member or friend) fails to make payments on time, that adverse credit history may also be reflected on the authorized user’s credit report. Most credit card issuers may accept immigrants with Social Security numbers as authorized users, and some may accept applicants without a Social Security number. Some of the more common credit card options for immigrants include: Become an authorized userĪccording to Experian, one option to start building credit history would be to become an authorized user on someone else’s credit card, as long as the creditor reports to the credit bureaus. What’s available depends on that person’s particular financial situation. have several options for acquiring a credit card. Getting credit cards can be challenging for immigrants, but acquiring a credit card can be an important step to helping secure your financial future in the U.S. How to get credit cards for foreigners, non-U.S. Still, according to Experian, even immigrants without either of these numbers may be able to apply for certain credit cards. Some credit card applications may accept an Individual Taxpayer Identification Number (ITIN), which the IRS may issue to individuals who are ineligible for a Social Security number. While most credit card issuers ask for a Social Security number to verify your identity and check your credit history, applying for some credit cards without a Social Security number is possible. You can request a free credit report to see if you have a credit history or what’s recorded in your U.S. So, a credit card that requires no credit history to apply could help you start that process. For immigrants, building a credit history is an essential step in getting established within the U.S. If you don’t already have an existing credit card or another credit account - like a car loan or home loan in your name - that has been open for at least six months, you might not have any credit history in the U.S. The good news is that there are credit card options with no credit history required, like secured credit cards. But, due to differences in the credit reporting systems among different countries, new immigrants may not have a U.S. Your credit score is based on your current debt, payment history, and other factors. credit card issuers consider your credit report and credit score when deciding whether to approve you for a credit card. citizens may find it difficult to qualify for a credit card in the U.S., knowing the steps in the process could help make applying for a credit card as an immigrant easier. New immigrants should keep these points in mind when applying for credit cards: What does an immigrant need before applying for a credit card? may get a credit card if they meet the credit card issuer’s requirements. Other immigrants may not have all the documentation needed to apply for certain credit cards.īut, new immigrants to the U.S. Some immigrants come from countries where credit cards are less commonly used, so they may not have an established credit history recorded by U.S. Immigrants to the United States may face challenges in getting credit cards. Immigrants who don’t qualify for a standard credit card may be eligible for a secured credit card or a student credit card. Some credit card companies may accept applications from immigrants without a Social Security number, but those cards may require an Individual Taxpayer Identification Number (ITIN.) don’t have to be citizens to qualify for credit cards.
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