Credit card for new U.S. resident

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3 posts
capricornnyc
 
Posts: 2
Joined: Tue Sep 09, 2014 3:09 pm
Location: New York Usa

Credit card for new U.S. resident

Postby capricornnyc » Tue Sep 09, 2014 3:23 pm

I am new in Usa and I am in New york now. I came here just 3 months ago and I have account with Td bank: checking and savings account.

I have no credit history here. How can I get my first secured credit card?


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PlyrStar93
Centurion Member
Centurion Member
 
Posts: 410
Joined: Wed Jun 04, 2014 1:06 pm
Location: Chicago

Postby PlyrStar93 » Tue Sep 09, 2014 8:43 pm

You can get a secured card from Capital One or others by applying online or through a branch.
However, there are other people (including myself) getting unsecured cards which offer rewards, without any credit history.
--- --- ----
If you are a college student you can go to Citibank to get a ThankYou Preferred card, or go with Capital One Journey or Discover it for students. Chase Freedom is not for students and can be harder to get without credit history, but there are several people getting this card without history.

Also keep in mind that if you apply online most probably they can't verify information and will generally require you to send whatever documents they want to see. If you want a card with Citi/Chase/etc. you might want to go to branch to let experienced bankers take care of paperwork.
Citi Forward Visa $5000 10/2012 | American Express Blue Cash Everyday $8000 2/2014 | Discover it $7000 5/2014
Chase Freedom Visa Signature $7000 6/2014 | Citi ThankYou Premier Visa Signature $5000 1/2015
All EMV.

capricornnyc
 
Posts: 2
Joined: Tue Sep 09, 2014 3:09 pm
Location: New York Usa

Postby capricornnyc » Wed Sep 10, 2014 11:39 am

Thanks for the help.
I applied over phone for capital one secured card and I got approved.

Which other card would be best to make my score better?



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