Wells Fargo secured to unsecured card only for US citizens/PR?

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Wells Fargo secured to unsecured card only for US citizens/PR?

Postby kamikaze » Mon Jul 18, 2011 7:13 pm

Hello everyone

I have 1500 usd in a secured card with Wells Fargo. Do you guys know anything whether its mandatory to be USA citizens or Permanent residents for me to graduate from having a secured to an unsecured credit card?

I do not belong to either of the above categories. I am in a soup then. My 1500 usd is stuck then.

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Postby Money card » Mon Jul 18, 2011 9:39 pm

I don't know. This you will have to stop off at the bank and ask them.

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Postby Mogul of Pineapples » Tue Aug 02, 2011 9:59 pm

You mention you already have a Wells Fargo secured credit card and it sounds like you are not a US citizen or permanent resident? If that's the case then my guess would be if they approved for you that, they will approve you for the transition from secured to unsecured when you qualify. It would be best though to call and find out the answer from them.
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Postby ooxs » Thu Aug 18, 2011 5:28 pm

You will not qualify. Only US citizen and permanent / green card holders will qualify. Because it is unsecure, the bank needs a little more security and residency is one of the requirements. Think about it, I am from Mexico and US bank laws do not apply in Mexico. Example: I owe citi 5000.00 and went home, what are the chances of me returning to pay citi?

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You can qualify

Postby The_Gladiator » Wed Feb 08, 2012 4:16 pm

Hi all,

I registered just to reply to this particular thread. Sorry for resurrecting this old discussion but I believe the info I'll share might help someone in the future :)

I'm currently on work visa here in the US (H1-B) waiting for a Green Card (say prayers for me). I came here with no credit (obviously) and no history at all yet I was still able to open a checking and savings account with BofA AND get approved for a secured $300-limit secured CC.

True, I had to provide extensive documentation including confirmation letter from my employer.

Two months after that I was able to get a car loan (~$15k) and BestBuy CC with $1,500 limit.

After first year BofA refunded me the security deposit and bumped my CL up to $1,500. In January this year I hit my two years, checked my score (~720) and went to apply for AMEX Blue Cash Preferred and got APPROVED.

Today I also went to BofA and had my secured card converted to Cash Rewards card (or whatever the name is) and got a CL increase to $3,000.

So NO, lack of US citizenship/permanent residency does not restrict you from living like a normal person here LOL. Just make sure you behave well.

What's even better is that if you happen to have a wife here with you who is allowed to stay here with you but cannot have a paid job (H4 visa, my wife's case) she still can build credit.
You can put here as an authorized person on your accounts and she can apply for a secured loan.

I'd recommend the secured loan through a local credit union as they tend to have less strict guidelines and might take "household income" into account.

Any questions, please feel free to ask or message me :)

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Postby PlatinumAMEX94 » Thu Feb 09, 2012 3:20 pm

The_Gladiator wrote:
Any questions, please feel free to ask or message me :)

What is your originating country? And in that country did you have a credit card or charge card there? And is there a huge difference in getting a AmEx from a non-US country? I know that the fees are different for different countries. Couldn't you get an AmEx in that country and then have it converted to a US AmEx?
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Postby The_Gladiator » Thu Feb 09, 2012 4:40 pm

LOL, questions like I'm being interrogated :) Let's see ...
PlatinumAMEX94 wrote:What is your originating country?

Czech Republic
PlatinumAMEX94 wrote:And in that country did you have a credit card or charge card there?

No, just a debit card. As far as I know (I'm only 27), in Czech Republic there is nothing even close in terms of verifying people's credibility or ability to pay off a loan/debt like here in the US. When I took a car loan over there, all they asked for was my income.

PlatinumAMEX94 wrote:And is there a huge difference in getting a AmEx from a non-US country? I know that the fees are different for different countries.Couldn't you get an AmEx in that country and then have it converted to a US AmEx?

Not really sure I understand the question however, I think that AMEX Personal Cards available in Czech Republic are in Euro or USD and are issued in the UK. I personally don't know any Czech citizen having an AMEX card over there. They do offer Platinum but that's more like a show-off card over there for people with money because AMEX cards are not widely accepted and give you no benefit in terms of building a credit history because there is no such thing over there - it is still kind of under-developed/developing country being run by stupid people who converted from communism to capitalism over night :beat:

NOTE: In case some starts attacking me (another former Czech citizen) for misinformation about that country, please understand that the above are my personal opinions and experience. If you have a different one, please share.

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Postby Jana.V » Tue Mar 26, 2013 7:57 am

Hi, I'm actually from Czech Republic too, so that's why I want your help. :D

My fiance is currently in USA working and waiting for H1 visa (after finishing university there) and we will be getting married soon (then I also become H4 visa holder) and i was wondering if you by any chance don't know anything about Chase Sapphire Preferred because I'm very interested in saving money on traveling (also would like to save up miles for honeymoon). If you have no idea, then sorry for bothering. :oooo

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Postby TopperLA » Tue Mar 26, 2013 12:55 pm

Hi all,

Same situation here (US visa H-1b).

It's not about the fact that you need to be a permanent resident to get an unsecured card, it's just a bank policy.

I've heard people being able to get credit card at Wells Fargo with the same visa as mine but me they always declined me.
After seeing a banker (they were my bank at the time), the rep called some kind of hotline to inquire and told me the reason I was denied was because I'm not a permanent resident.

I would say just avoid them and their business. I switched bank, got a capital one 'new comer' unsecured credit card with 0 credit history and started there, 6 months later I had an Amex PRG.

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Postby swipe_masta » Thu Mar 28, 2013 1:28 am

My roommate is Czech!

OK to clear things up...

1) Anyone can open a checking/savings account. You are putting YOUR money in the bank's hands not the other way around. Many illegal aliens have debit cards.

2) There is a HUGE difference between being documented and legally here (whether a citizen or not) and being an illegal alien and being undocumented.

3) You have a work visa. That means, by law, you are here legally and therefore given the same equal rights as a citizen (except for some rights like voting and stuff like that). My roommate came here on a student visa and was afforded the same rights. If you have any sort of official government given visa, that means you are documented and can be traced even if you leave the country. Having a visa though means that you are planning on staying in the country for an extended amount of time. Usually with visas, people are worried about them overstaying after their visas expire than having them leave early. Like The_Gladiator said, it is a rigorous process to provide all the necessary documentation. I know how hard it is because both my parents and I are first gen immigrants as well. Lucky for me, my parents came over in the 1970's-80's and got established before I moved to be with them! But back to kamikaze, like you said, since you don't fit into either category, you are pretty much SOL... There is no way you will be given any sort of loan being undocumented. It seems to me though, your main concern is the security deposit of $1500 on your unsecured card right? In that case, don't push for a secured card, if you want/need your money back, ask for it. I have never had an unsecured card before so I don't know the proper protocol, but I'm sure if you close the account, the bank has to give you the money back (assuming you don't owe a balance). I'm sure they will charge you a fee as well... All in all, that $1500 is your money. If you want it back, there has to be a way to get it back. Ask your bank.

I'm not an expert about legal/illegal statuses, but I have gone thru the proper channels and do have some insight. Some of my info could be dated and this is hardly the place to talk about this subject, but if anyone has any general questions, I would be more than happy to point you in the right direction!

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