International credit card for people who work outside the US?

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International credit card for people who work outside the US?

Postby kavade » Sun Mar 27, 2011 12:57 pm

Is there such a thing as an international credit card? I mean, for people who live and work outside the US but are US citizens.

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Postby Mogul of Pineapples » Mon Apr 11, 2011 1:55 pm

I wouldn't be the person to ask for this but if you are a U.S. citizen and have a U.S. billing address you could legally use, such as a family member's house, then I would think there would be no problem applying for a credit card and then using it overseas. However since the bill would be sent to an address in the states you would need to rely on ebilling.
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Applying for a credit card while living in another country

Postby Imdramayu » Thu Sep 08, 2011 2:35 pm

I have considered applying for a US credit card (I'm a US citizen) while living overseas but the online applications always ask for "Employer name", "Employer address". How does one get around that since one is not really working for that company? Is there a "workaround"?

From my point of view, I'd pay off the bill completely and this wouldn't be considered fraud but credit card companies are so picky on this point.


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Postby ooxs » Fri Sep 09, 2011 9:25 pm

The reason you are having this issues are simple:
A US bank can easily collect from a US Citizen or Resident because they have US laws to protect / pursue what is legally owed to them.

The reason why you are asked to provide an address is because you are applying from abroad and believe it or not, your foreign gateway/ip address is flagged (Yep these servers are smart now)and the extra step is necessary for verification. While this process is a nuisance for you, it has worked wonders for protecting our banks. I suggest you go to your local bank and see how you can obtain a card from them. Most banks overseas allow this option if you have an account as security.

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Postby Money card » Sat Sep 10, 2011 10:11 pm

kavade wrote:Is there such a thing as an international credit card? I mean, for people who live and work outside the US but are US citizens.

I would imagine for people who work in Niagara Falls on the Canadian side, but were born in the Buffalo area I would think they get some exceptions that nobody else gets. But companies that ask for your address just give them your present address, doesn't matter where you were born.

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Postby naomibatac » Thu Sep 15, 2011 1:03 am

What I understand is as long as your credit card is accepted at the establishment you are making a purchase for goods or services, then you are okay. This is the wonder of the Internet, everything can be done online, even your credit card billing and payments. This means, credit cards issued in the US can be used anywhere in the world as long as the merchants accept them.
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