Opening American Express as a foreign student

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Opening American Express as a foreign student

Postby Reclusive46 » Sun Oct 07, 2012 1:06 pm

My son is currently going to a college in the US but is basically restricted to his BOA debit card or his UK credit cards.

How would a none us citizen go about applying for credit (More specifically an Amex) in the US without a SSN?
Amex UK Platinum Charge Card
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World MasterCard Capital One UK (Free abroad + Cashback + Free Cash Withdrawals with no interest)

CC Deville
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Postby CC Deville » Sun Oct 07, 2012 3:19 pm

I checked the Terms & Conditions for the Green card. It appears that only US citizens or those with SSN's may apply (at least online):

"By submitting this application, you are requesting us to open an Account in your name and to issue Card(s) as you direct. Only qualified individuals 18 or over may apply for an Account. This offer is available to US Residents, excluding Puerto Rico and the US Virgin Islands."

How did he obtain a Bank of America debit card if he didn't have an SSN? The best thing to do would be to call AMEX to see if it is possible for a non US resident to open one. Is he going back to England after graduation? If so, why would he need a card?

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Postby trumpet-205 » Sun Oct 07, 2012 3:32 pm

If you have SSN, you can open a checking account and credit card. No SSN means NO checking account and credit card. This is partly due to Patroit Act.

Problem is with foreign student in US, you have no credit history. Which means applying an American Express card will mean instant denial.

You need to apply a credit card from Capital One instead, preferable Capital One Newcomer.
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Postby Rory » Sun Oct 07, 2012 7:43 pm

your best bet would be to open an account yourself and add him as a Authorized user and ship him the card. Otherwise just wait till he comes back home for the holidays to open an account there in the UK
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Postby TopperLA » Mon Oct 08, 2012 11:55 am

I've been a foreign student in the US, I'm now a resident.
Without any SSN he won't be able to get credit anywhere, amex or capital one.
If he has an SSN then yes Capital One Newcomer is the easiest one to get as a foreigner and does a good job building up credit.

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