Floppster wrote:Hello, I went through exactly the same thing you'll have to go through now.
The way it worked for me
1.) Got my SSN with zero history and zero credit
2.) I got denied on every credit card I applied for ( I tried about 30 cards )
3.) The way out was capital one at the time who was the only bank which offered me a low limit cc.
Anyhow the fastest way of doing it right is: Go to Bank of America and open a Bank Account. Than talk to them about a secured card (up to 10k). They'll hold your money for up to 2years. Credit will then build quick. It is easy to get credit up however once you mess up you have a lot of work to do.
BTW: Forget the American Express for right now. Think about it in approx. 2 years.
wow... 30 applications? I would have thought that many credit pings would have tanked your credit.
Thanks for the suggestions everyone. As I thought (and most of you have confirmed) I won't be able to get any 'decent' card. I don't like the idea of prepaid cards because it's my money.
If I use my SSN for things like utilities / internet / cell phone, will that help build my score?
In the mean time, Visa is going to give me a US dollar card based on my Canadian history.