Credit Cards

[yukfou 0]

Hey guys, I am on K1 visa. I applied for Aos about a month ago. I already have my temp driving license and a social security no as well. I don't have a job because I don't have a work permit yet. I really need to start building my credit as soon as I can.

I was wondering if I can get a credit card on my social and driving license ? Also which are some corporations or credit card companies which are flexible and can approve me for a cc? I am sure one of you guys had experience with this so please help me out. One more thing I have WAMU as my local bank California. Thank you.

[Lansbury 19]

Well most credit card applications I've filled out require details of your income. If you don't have a job yet or another source of income couple with no credit history I doubt you will get an unsecured credit card.

Best bet would be to look at one of the banks or card companies that have a credit card you secure with a deposit with them for the limit of the card.

[Mel and Syl 0]

Capital One is pretty easy to deal with, they give you a CC with 500.00$ and if you pay your bills every month they will add 200.00$ to it after 3 months. When i applyed for one they asked about the household income and i put what my hubby makes a year and few days later i got my CC.

[yukfou 0]

Capital One is pretty easy to deal with, they give you a CC with 500.00$ and if you pay your bills every month they will add 200.00$ to it after 3 months. When i applyed for one they asked about the household income and i put what my hubby makes a year and few days later i got my CC.

I was going through capital one site. What was the APR rate that you got from them?

[Mel and Syl 0]

For purchases is 0,00% and for cash is 20,90%

[aidan80 9]

Personally I'd start off with Capital One (very easy to get a card from) but as soon as you've established some kind of track record dump them. They are bottom feeders and they will bleed you dry (all credit companies will if allowed) with fee's, interest rates and other charges will suck the life out of ye.

[joey_77 0]

Regarding a part of the initial comment: "don't have a job because I don't have a work permit yet. "

you DONT need a work permit with a K1 Visa. Your I94 with the K1 Stamp is your work authorization, so start looking for a job!

[Mel and Syl 0]

Regarding a part of the initial comment: "don't have a job because I don't have a work permit yet. "

you DONT need a work permit with a K1 Visa. Your I94 with the K1 Stamp is your work authorization, so start looking for a job!

Not everybody get that stamp it depends on your POE and if you do have it, its only valid for the 90days the I-94 is valid.

[Mags 112]

Regarding a part of the initial comment: "don't have a job because I don't have a work permit yet. "

you DONT need a work permit with a K1 Visa. Your I94 with the K1 Stamp is your work authorization, so start looking for a job!

You need to have the temporary EAD stamp in your passport - you can't just work with an I-94 K1.

[Martin&Nat 0]

Regarding a part of the initial comment: "don't have a job because I don't have a work permit yet. "

you DONT need a work permit with a K1 Visa. Your I94 with the K1 Stamp is your work authorization, so start looking for a job!

You need to have the temporary EAD stamp in your passport - you can't just work with an I-94 K1.

This is not true - a K1 with I94 is evidence of being allowed to work REGARDLESS of whether you have the employment authorisation stamp or not. Having the stamp may make it much easier for you to find an employer willing to take you on, but it doesn't mean someone without the stamp is not permitted to work.

- Martin

[Mononoke28 135]

Capital One is pretty easy to deal with, they give you a CC with 500.00$ and if you pay your bills every month they will add 200.00$ to it after 3 months. When i applyed for one they asked about the household income and i put what my hubby makes a year and few days later i got my CC.

I was going through capital one site. What was the APR rate that you got from them?

We waited until my husband was employed and we had opened a checking account before applying for credit card. He applied to like 4 or 5 different ones and they all denied him except Capital One. He got the same deal $500 allowance at o% interest for 6 months and then 19% after that. What we do is use it for groceries and gas and then pay it off each month until he gets it increased, after that we plan on opening another one and keep on building his credit.

Diana

[jess&andrew 0]

Personally I'd start off with Capital One (very easy to get a card from) but as soon as you've established some kind of track record dump them. They are bottom feeders and they will bleed you dry (all credit companies will if allowed) with fee's, interest rates and other charges will suck the life out of ye.

Thanks a lot for your help! I came on the forum to check out about credit cards and got exactly what I needed!!

It's crazy - that although i have so much credit established in Canada - I feel like a teenager trying to get a credit card here! My bank has rejected me for the most basic card - and he told me about the card where you put an amount down first, which I was considering. But after reading about Capital One - I went on their site and got approved right away! All I want to do is build any sort of credit - it's crazy how hard it is here.

Thanks again for the tip!

[Mel and Syl 0]

Personally I'd start off with Capital One (very easy to get a card from) but as soon as you've established some kind of track record dump them. They are bottom feeders and they will bleed you dry (all credit companies will if allowed) with fee's, interest rates and other charges will suck the life out of ye.

Thanks a lot for your help! I came on the forum to check out about credit cards and got exactly what I needed!!

It's crazy - that although i have so much credit established in Canada - I feel like a teenager trying to get a credit card here! My bank has rejected me for the most basic card - and he told me about the card where you put an amount down first, which I was considering. But after reading about Capital One - I went on their site and got approved right away! All I want to do is build any sort of credit - it's crazy how hard it is here.

Thanks again for the tip!

I felt the same way, things are not easy when you move to an other country but thank goodness we have this great site to get the info we need.

[melusine 5]

What did u wrote in the application to be accepted right away ?

i did it but they say to wait for a decision

[BRIAN AND ISA 0]

Isa got her first credit card through Orchard Bank, we did a secured card for $200.00 after a couple of months she got a pre approval offer from Capital One with a $500.00 limit and the a month later got another pre approved card through Citibank with an even higher limit. Try any one of these or this process and you should have some credit fairly quickly. We are still working on getting her an installment loan to build a stronger credit file. Good Luck!