How a non-citizen can get credit card in the USA?
Applying for a credit card for non-U.S. citizens can be a daunting task for non-citizens, but it is not impossible. In fact, many financial institutions offer credit cards specifically designed for non-citizens, and with a little bit of preparation and research, you can be on your way to building your credit history in the United States with a credit card. Here are some tips to help you get a credit card for non-U.S. citizens:
1. Get a Social Security Number (SSN) or Individual Tax Identification Number (ITIN):
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To apply for a credit card in the United States, you will need to have an SSN or ITIN. An SSN is issued to citizens and certain non-citizens who are authorized to work in the United States, while an ITIN is issued to non-citizens who have a tax liability in the United States. You can apply for an SSN or ITIN through the Social Security Administration (SSA) or the Internal Revenue Service (IRS).
2. Have proof of income and a U.S. address:
Financial institutions will want to see that you have a stable income and a U.S. address. You can provide this information by showing proof of income, such as a pay stub or bank statement, and by providing a U.S. mailing address.
3. Look for credit cards for non-citizens:
Many financial institutions offer credit cards specifically designed for non-citizens. These credit cards typically have lower credit limits and higher interest rates, but they can help you establish a credit history in the United States. Some examples of credit cards for non-citizens are:
4. Build your credit history:
Once you have a credit card, it’s important to make payments before the due date and keep your balance low. Build a positive credit history to access credit cards with better terms and higher limits in the future.
5. Consider a Cosigner:
If you don’t have a credit history or income in the USA, you may consider having a cosigner. A cosigner is someone who will be responsible for your credit card debt if you can’t make the payments. The cosigner must be a US citizen or permanent resident and have a good credit history.
You already understand that getting a credit card for non-U.S. citizens can be challenging, but it is not impossible. Boost credit card approval chances and build your credit history in the US by following these tips. A credit history helps your future, whether staying in the USA or returning to your home country. Remember its benefits.
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