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Got my first credit card

By movingsoon2 in Moving to the US and Your New Life In America

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movingsoon2 Explorer

movingsoon2   0

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Filed: K-1 Visa Country: Canada
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So about four months ago I applied online for a Capitol One credit card. I put down that I had no job at that time. I was unsuccessful in getting the card. Then I applied online again, same thing, rejected. About a week ago, out of nowhere, I got a letter in my mailbox, saying that they want me to apply for their credit card and that I'll be approved online right away. So I went online, applied, filled out that I do have a job right now and was approved immediately. I got a card in the mail with a $300 limit which will be increased once I pay the bill 3 times.

So after 2 rejections, I finally have my own american credit card, it made my day! If you are trying to get your own credit card, try Capitol One ...

The Lord is my strength and my shield,

My heart trusted in Him and I am helped,

therefore my heart greatly rejoices,

and with my song I will praise Him.

Psalm 28:7

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msdelila Explorer

msdelila   1

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Filed: Citizen (apr) Country: Israel
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So about four months ago I applied online for a Capitol One credit card. I put down that I had no job at that time. I was unsuccessful in getting the card. Then I applied online again, same thing, rejected. About a week ago, out of nowhere, I got a letter in my mailbox, saying that they want me to apply for their credit card and that I'll be approved online right away. So I went online, applied, filled out that I do have a job right now and was approved immediately. I got a card in the mail with a $300 limit which will be increased once I pay the bill 3 times.

So after 2 rejections, I finally have my own american credit card, it made my day! If you are trying to get your own credit card, try Capitol One ...

Congrats

I know how it feels to try and get a credit card and establish credit. You are supposed to get a card to establish credit, yet you can get one without a credit history (or it is very hard to get one). We are also working on getting my husband his first credit card here. :)

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movingsoon2 Explorer

movingsoon2   0

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ms delila, yes, how true. I hope your husband gets his credit card soon !

After 2 rejections, I totally forgot about this and came to terms with the fact that I won't have an american credit card. I have 2 canadian credit cards with high limits, so I thought I'll just use those, what can you do.

Anyways, it's exciting! You get to pick a design you like, so I chose the one with an american flag, it's so pretty :star:

The Lord is my strength and my shield,

My heart trusted in Him and I am helped,

therefore my heart greatly rejoices,

and with my song I will praise Him.

Psalm 28:7

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naksah Explorer

naksah   1

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So about four months ago I applied online for a Capitol One credit card. I put down that I had no job at that time. I was unsuccessful in getting the card. Then I applied online again, same thing, rejected. About a week ago, out of nowhere, I got a letter in my mailbox, saying that they want me to apply for their credit card and that I'll be approved online right away. So I went online, applied, filled out that I do have a job right now and was approved immediately. I got a card in the mail with a $300 limit which will be increased once I pay the bill 3 times.

So after 2 rejections, I finally have my own american credit card, it made my day! If you are trying to get your own credit card, try Capitol One ...

Congrats. Use it carefully because you are now holding the keys to the doors of hell on earth...IMO

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TBoneTX Grand Master

TBoneTX   45,267

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All of us here accord you due credit for your accomplishment. :lol: Seriously: congratulations, si man.

06-04-2007 = TSC stamps postal return-receipt for I-129f.

06-11-2007 = NOA1 date (unknown to me).

07-20-2007 = Phoned Immigration Officer; got WAC#; where's NOA1?

09-25-2007 = Touch (first-ever).

09-28-2007 = NOA1, 23 days after their 45-day promise to send it (grrrr).

10-20 & 11-14-2007 = Phoned ImmOffs; "still pending."

12-11-2007 = 180 days; file is "between workstations, may be early Jan."; touches 12/11 & 12/12.

12-18-2007 = Call; file is with Division 9 ofcr. (bckgrnd check); e-prompt to shake it; touch.

12-19-2007 = NOA2 by e-mail & web, dated 12-18-07 (187 days; 201 per VJ); in mail 12/24/07.

01-09-2008 = File from USCIS to NVC, 1-4-08; NVC creates file, 1/15/08; to consulate 1/16/08.

01-23-2008 = Consulate gets file; outdated Packet 4 mailed to fiancee 1/27/08; rec'd 3/3/08.

04-29-2008 = Fiancee's 4-min. consular interview, 8:30 a.m.; much evidence brought but not allowed to be presented (consul: "More proof! Second interview! Bring your fiance!").

05-05-2008 = Infuriating $12 call to non-English-speaking consulate appointment-setter.

05-06-2008 = Better $12 call to English-speaker; "joint" interview date 6/30/08 (my selection).

06-30-2008 = Stokes Interrogations w/Ecuadorian (not USC); "wait 2 weeks; we'll mail her."

07-2008 = Daily calls to DOS: "currently processing"; 8/05 = Phoned consulate, got Section Chief; wrote him.

08-07-08 = E-mail from consulate, promising to issue visa "as soon as we get her passport" (on 8/12, per DHL).

08-27-08 = Phoned consulate (they "couldn't find" our file); visa DHL'd 8/28; in hand 9/1; through POE on 10/9 with NO hassles(!).

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HYENA Rising Star

HYENA   4

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Filed: K-1 Visa Country: Thailand
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add your spouses name to the credit cards you have and ask for them to send her one (you can rip them up) then your credit will become their credit. Suze Orman recommended that move!

Worked for me...except someone I've got my name riding upped their balance so all I have to do is contact the bureau and tell them "that's not my credit card, it's my x gf's" and they have to remove it. Kind of a nice loophole to get credit established.

NEVER let your balance go over 50 percent or it will hurt your score. Aim for a limit (not a balance but limit) over $1000 or it doesn't count (for houses)

Edited by HYENA

7/21/08 I 129f K-1 app given to Siam Legal Lawyers office

8/3/08 K-1 I 129f Sent (Atty Ofc made mistake delayed app, we learned later)

8/14/08 NOA-1

1/23/09 RFE Color Passport Picture

1/29/09 RFE Color Pics sent

2/3/09 RFE Pics USCIS acknowledged

4/28/09 NOA-2

5/01/09 NVC Received

5/01/09 Left NVC

5/15/09 Embassy Sent Packet 3 (we did not receive-they have correct addresses)

6/19/09 Packet 3 to Embassy

6/28/09 Appointment (packet 4) never mailed, had to ask to get email-they've got correct addresses

7/23/09 Interview Scheduled for 7:00am (A YEAR AFTER SUBMISSION)!!!!!!!!!!! APPROVED!!!!!!!!!!!!!!!!!!!

7/28/09 Pick up visa

8/11/09 She came to the USA with me!

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tallcoolone Experienced

tallcoolone   102

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Filed: Lift. Cond. (apr) Country: Philippines
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A credit card is a neccessary evil in USA

It can be good and bad. Practice control

youregonnalovemynutsf.jpg

"He always start the fire here in VJ thread and I believe all people will agree with me about it"

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movingsoon2 Explorer

movingsoon2   0

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Filed: K-1 Visa Country: Canada
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I have had credit cards for the past 15 years in Canada, so I do now how to handle them :bonk:

It's getting the american credit card that has been a challenge as when they check your history they see nothing. So to get one is a major accomplishment ...

The Lord is my strength and my shield,

My heart trusted in Him and I am helped,

therefore my heart greatly rejoices,

and with my song I will praise Him.

Psalm 28:7

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champi Proficient

champi   13

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Filed: Citizen (pnd) Country: India
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Thanks for sharing this info... We've applied numerous times with CapitalOne, Discover,and Amex... all rejected even though my husband has a job. He started his job in mid August so maybe it's not showing up on his record or something. Anyways, as of last week, we've stopped applying since one of the rejection reason was "too many credit checks".

I did add him to my CapitalOne credit card account. He also got a secured card with the bank that we have our account but it's only $300 limit and comes with $39 annual fee. We''re hoping in couple months, he'll become eligible for non-secured, fee-less card...

Edited by champi

IR-5 - for Mom
------------
08/27/2012 - Sent Application
08/28/2012 - NOA1 date
08/31/2012 - Received email from USCIS saying the package is accepted
09/11/2012 - Received a letter saying case transferred Lee's Summit, MO
02/15/2013 - Received an email saying case is approved
02/22/2013 - I-130 NOA2 hard copy received

NVC Journey
--------------
02/18/2013 - NVC received the case
03/11/2013 - NVC case # assigned
03/12/2013 - Petitioners' email corrected, Beneficiary's email added
03/13/2013 - DS3032 received
03/13/2013 - DS3032 email sent (was sent before the we received the DS3032)
03/13/2013 - AOS fee invoiced and Paid (shows In Progress)
03/14/2013 - AOS fee shows PAID
03/14/2013 - AOS package sent (overnight next-day delivery)
03/15/2013 - AOS package delivered to NVC on 03/15/2013 at 10:06:00
03/19/2013 - Re-sent DS-3032 email with Supervisor Review on subject
03/21/2013 - DS-3032 accepted
03/22/2013 - IV fee invoiced and paid
03/25/2013 - IV fee shows PAID
03/25/2013 - IV package sent (overnight next-day delivery)
03/26/2013 - IV package delivered to NVC on 03/26/2013 at 10:04am
03/27/2013 - AOS accepted
04/08/2013 - IV checklist found out by phone - NVC lost our marriage certificate sad.png
04/09/2013 - IV checklist email received
04/16/2013 - IV Checklist response mailed - new Marriage Certificate

04/16/2013 - Case Complete (they found our first marriage certificate during supervisor review??)
04/17/2013 - NVC received IV Checklist response
04/23/2013 - Case Complete email from NVC

05/13/2013 - Medical

06/03/2013 - Interview

Thank you God!!!!

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movingsoon2 Explorer

movingsoon2   0

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champi,

best wishes to your husband in getting the card! I applied twice and then I stopped applying ... hopefully, your husband will get a letter in the mail like I did, inviting him to apply again.

Now that I got this card, I am pretty sure I can get any card I want as a credit history will be established.

The Lord is my strength and my shield,

My heart trusted in Him and I am helped,

therefore my heart greatly rejoices,

and with my song I will praise Him.

Psalm 28:7

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SapphireDreams Experienced

SapphireDreams   71

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Filed: K-1 Visa Country: Canada
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Interesting Movingsoon2

I also applied for a Capital One WITH a job that pays well and got rejected.

I was thinking about writing them a letter, but just never got around to it. Since then my husband added me to his account an authorized user, and I can see that on my credit report, so I'm wondering if I should try applying again.

Hmmm....

Removing Conditions

Sent package to VSC - 8/12/11

NOA1 - 8/16/11

Biometrics - 9/14/11

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champi Proficient

champi   13

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Filed: Citizen (pnd) Country: India
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Interesting Movingsoon2

I also applied for a Capital One WITH a job that pays well and got rejected.

I was thinking about writing them a letter, but just never got around to it. Since then my husband added me to his account an authorized user, and I can see that on my credit report, so I'm wondering if I should try applying again.

Hmmm....

SapphireDreams,

Did you husband added you as authorized user in CapitalOne account or some other? I ask because I also added my husband as authorized user to my CapitalOne account.

IR-5 - for Mom
------------
08/27/2012 - Sent Application
08/28/2012 - NOA1 date
08/31/2012 - Received email from USCIS saying the package is accepted
09/11/2012 - Received a letter saying case transferred Lee's Summit, MO
02/15/2013 - Received an email saying case is approved
02/22/2013 - I-130 NOA2 hard copy received

NVC Journey
--------------
02/18/2013 - NVC received the case
03/11/2013 - NVC case # assigned
03/12/2013 - Petitioners' email corrected, Beneficiary's email added
03/13/2013 - DS3032 received
03/13/2013 - DS3032 email sent (was sent before the we received the DS3032)
03/13/2013 - AOS fee invoiced and Paid (shows In Progress)
03/14/2013 - AOS fee shows PAID
03/14/2013 - AOS package sent (overnight next-day delivery)
03/15/2013 - AOS package delivered to NVC on 03/15/2013 at 10:06:00
03/19/2013 - Re-sent DS-3032 email with Supervisor Review on subject
03/21/2013 - DS-3032 accepted
03/22/2013 - IV fee invoiced and paid
03/25/2013 - IV fee shows PAID
03/25/2013 - IV package sent (overnight next-day delivery)
03/26/2013 - IV package delivered to NVC on 03/26/2013 at 10:04am
03/27/2013 - AOS accepted
04/08/2013 - IV checklist found out by phone - NVC lost our marriage certificate sad.png
04/09/2013 - IV checklist email received
04/16/2013 - IV Checklist response mailed - new Marriage Certificate

04/16/2013 - Case Complete (they found our first marriage certificate during supervisor review??)
04/17/2013 - NVC received IV Checklist response
04/23/2013 - Case Complete email from NVC

05/13/2013 - Medical

06/03/2013 - Interview

Thank you God!!!!

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Dai. Community Regular

Dai.   7

Posted
Filed: IR-1/CR-1 Visa Country: Vietnam (no flag)
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I don't know if we got lucky or not but I just got my wife a Chase Freedom Visa card with no deposit and she does not have a job yet and she just came from Vietnam about 3 months ago. I put my income in as her house hold income and she got it. They sent her a letter asking for a copy of her social security card 1st and a copy of a utility bill but when we send that in a week later she got her new card.

mrc2pmh1445.gif
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movingsoon2 Explorer

movingsoon2   0

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Filed: K-1 Visa Country: Canada
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Saphire Dreams,

it's funny, because here I am anxiously waiting for the green card and instead I get this credit card in the mail which I wanted in June but forgot about now...

After I got rejected, they told me to try again in 45 days. But I didn't bother... I think you should try again. I really wanted my own credit card.

The Lord is my strength and my shield,

My heart trusted in Him and I am helped,

therefore my heart greatly rejoices,

and with my song I will praise Him.

Psalm 28:7

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jimnlena Community Regular

jimnlena   8

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Filed: Lift. Cond. (apr) Country: Ukraine
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Credit cards and credit is nice "BUT" always remember!! :blink: if you can not afford to pay cash!! How will you afford the interest!!

I-751 Vermont
Mailed 4/03/2012
Check Cashed 4/10/2012
Noa1 4/12/2012 receipt date 4/6/2012
Biometrics 4/19/2012 letter recieved
Biometrics 5/01/2012 done
Tic Toc, Tic Toc, Tic Toc, Tic toc..................................................

5/10/2013 Info pass for another year stamp

Tic Toc, Tic Toc.....................................

Second biometrics letter received 7/6/2013

Tic toc tic toc..........................................................................................

4/10/14 info pass for another year

Tic Toc, Tic toc

3/30/2015 info pass for another year stamp

9/10/2015 Notice for I-751 interview 9/22/2015 Our gov is so efficient just gotta love em in charge of health care!!

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