Any low annual fee secured cards for newcomer?

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5 posts
eaglez
 
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Joined: Mon Oct 29, 2012 1:30 am
Location: alhambra /ca

Any low annual fee secured cards for newcomer?

Postby eaglez » Mon Oct 29, 2012 1:37 am

Hi, I am a new immigrant. So I don't have credit history, and I am not a student. 25years old. Last week, right after I receive my ssn, I applied 4 cards online, but all turned me down. 1st is C1 for newcomer, I wonder, isn't it for new comers? and then BOA123, CITI forward.

Ok,now it seems that only choice is to get a secured card? So, can anyone recommend a low annual fee secured card? thank you. I live in LA county.


DavidNY
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Location: New York

Postby DavidNY » Mon Oct 29, 2012 11:02 pm

BofA secured is a good one.

TopperLA
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Postby TopperLA » Tue Oct 30, 2012 1:03 pm

Hi, I landed here a year ago and got declined for a secure credit card at Wells Fargo. Don't even try to apply for a credit card at Wells fargo if you don't have a green card, they won't tell you but with the crisis going on they just don't approve CC for foreigners.

Anyway the guy at bank told me to check Capital One. It's true they are crappy but 6-7 months later I now have an AMEX PRG after starting with a Capital One card for newcomers with $500 Credit Limit. Never carry a balance, use it as a debit card and pay before your statement and you will be fine

sakhalin
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Postby sakhalin » Tue Oct 30, 2012 7:03 pm

eaglez wrote:Hi, I am a new immigrant. So I don't have credit history, and I am not a student. 25years old. Last week, right after I receive my ssn, I applied 4 cards online, but all turned me down. 1st is C1 for newcomer, I wonder, isn't it for new comers? and then BOA123, CITI forward.

Ok,now it seems that only choice is to get a secured card? So, can anyone recommend a low annual fee secured card? thank you. I live in LA county.

That's strange that you got denied for C1 Newcomer. Maybe Capital One couldn't verify your SSN since you just got it? Did you call to recon and explain how you just received your SSN?
AMEX BCE ($20,000), Citi Forward ($6,800), Discover IT ($5,250), BoA Travel Rewards ($1,800)

JeffM
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Location: USA

Postby JeffM » Wed Oct 31, 2012 1:31 pm

TopperLA wrote:Hi, I landed here a year ago and got declined for a secure credit card at Wells Fargo. Don't even try to apply for a credit card at Wells fargo if you don't have a green card, they won't tell you but with the crisis going on they just don't approve CC for foreigners.

Anyway the guy at bank told me to check Capital One. It's true they are crappy but 6-7 months later I now have an AMEX PRG after starting with a Capital One card for newcomers with $500 Credit Limit. Never carry a balance, use it as a debit card and pay before your statement and you will be fine


Not true. I have an unsecured CC with Wells Fargo and I'm on a Student Visa. I applied earlier this year.



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