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Credit Question

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UK2ATL Explorer

UK2ATL   9

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Filed: Lift. Cond. (apr) Country: United Kingdom
 Timeline
Posted

Hey Guys,

I applied for the Capital One card designed for newcomers to USA to build up credit. I got rejected and received a letter this week stating the reason behind the rejection. It says that Equifax, Experian and Trans Union say that my information is missing or unavailable. Then it goes to my credit score which says its missing or invalid?

Is something wrong or is this totally normal? Capital One wasn't much help they just tried to get me to try again for another card instead working out what the issue was.

Thanks

Matt

My Immigration Progress

12/12/12 - Forms Sent (i-130, i-485, i-765, i-131, i-864)

12/13/12 - USCIS Received

12/18/12 - NOA's Received

12/24/12 - Biometrics Appointment Received.

01/03/13 - RFE Received (I-485)

01/08/13 - Biometrics Appointment, Atlanta, GA (27 days)

01/15/13 - EAD Approved (34 days)

01/15/13 - AP Approved (34 days)

01/15/13 - Interview ready for Scheduling

01/18/13 - EAD in Production

01/24/13 - EAD Card Received (Serves as Advance Parole) (43 Days)

01/25/13 - Applied for Social Security Number

01/31/13 - Social Security Number Received

02/25/13 - AOS Interview Scheduled for 03/27/13

03/27/13 - AOS Interview, Atlanta, GA - Approved on the spot! (105 days)

03/27/13 - Green Card ordered for production

04/04/13 - Green Card Received (113 Days)

Caryh Grand Master

Caryh   5,206

Posted
Filed: Citizen (pnd) Country: Philippines
 Timeline
Posted

You have no credit, therefore you're not listed at the credit agencies. Which means the capital one card to build credit requires you to already have some type of credit.

K1 from the Philippines
Arrival : 2011-09-08
Married : 2011-10-15
AOS
Date Card Received : 2012-07-13
EAD
Date Card Received : 2012-02-04

Sent ROC : 4-1-2014
Noa1 : 4-2-2014
Bio Complete : 4-18-2014
Approved : 6-24-2014

N-400 sent 2-13-2016
Bio Complete 3-14-2016
Interview
Oath Taking

VanessaTony Grand Master

VanessaTony   3,567

Posted
Filed: Citizen (apr) Country: Australia
 Timeline
Posted
I applied for the Capital One card designed for newcomers to USA to build up credit. I got rejected and received a letter this week stating the reason behind the rejection. It says that Equifax, Experian and Trans Union say that my information is missing or unavailable. Then it goes to my credit score which says its missing or invalid?

Is something wrong or is this totally normal? Capital One wasn't much help they just tried to get me to try again for another card instead working out what the issue was.

You should have applied for the secured one, not the newcomer one.

This is not the first time I've heard of people rejected applying for the "newcomer" one. Some people have been denied the above, but because it's secured, it occurs less often.

Aussie K1 process - http://www.visajourney.com/forums/topic/206016-australian-beneficiaries-packet-3-to-interview-date/
AOS, EAD & AP - the Aussie Way (including document list) - http://www.visajourney.com/forums/topic/235331-aos-ead-ap-from-k1-the-aussie-way-doc-list-included/
ROC April 2012 - http://www.visajourney.com/forums/topic/358760-i-751-april-2012-filers/ (includes document list)
N-400 April 2013 - http://www.visajourney.com/forums/topic/412738-n-400-april-2013-filers/ (includes document list)

N-400 Interview review - http://www.visajourney.com/forums/topic/412738-n-400-april-2013-filers/?p=6381814

N-400 Oath Ceremony review - http://www.visajourney.com/forums/topic/412738-n-400-april-2013-filers/?p=6537699
Aussie Chat page continued - http://www.visajourney.com/forums/topic/331922-new-2011-land-downunder-aussie-aussie-aussie-oi-oi-oi/
Aussie Name Change on Passport Process - http://www.visajourney.com/forums/topic/248400-australian-passport-name-change-process/
Travel on maiden name passport with married name GC, tickets in married name - http://www.visajourney.com/forums/topic/183541-land-downunder-aussie-aussie-aussie-oi-oi-oi/page__view__findpost__p__4135806
Shipping Costs from Aus to US - http://www.visajourney.com/forums/topic/293179-shipping-costs-aus-to-usa/

Notes:
- For my "standard" timeline please see timeline to the left
- For timeline with Aussie specifics & more detailed info, please see the "About Me" section of my profile

UK2ATL Explorer

UK2ATL   9

Posted
Filed: Lift. Cond. (apr) Country: United Kingdom
 Timeline
  • Author
Posted

It's stupid whats the point of offering the newcomer one if they expect you to have credit already. Guess i'll just go with my banks secure card.

My Immigration Progress

12/12/12 - Forms Sent (i-130, i-485, i-765, i-131, i-864)

12/13/12 - USCIS Received

12/18/12 - NOA's Received

12/24/12 - Biometrics Appointment Received.

01/03/13 - RFE Received (I-485)

01/08/13 - Biometrics Appointment, Atlanta, GA (27 days)

01/15/13 - EAD Approved (34 days)

01/15/13 - AP Approved (34 days)

01/15/13 - Interview ready for Scheduling

01/18/13 - EAD in Production

01/24/13 - EAD Card Received (Serves as Advance Parole) (43 Days)

01/25/13 - Applied for Social Security Number

01/31/13 - Social Security Number Received

02/25/13 - AOS Interview Scheduled for 03/27/13

03/27/13 - AOS Interview, Atlanta, GA - Approved on the spot! (105 days)

03/27/13 - Green Card ordered for production

04/04/13 - Green Card Received (113 Days)

Teddy B Grand Master

Teddy B   17,252

Posted
Filed: Lift. Cond. (apr) Country: Canada
 Timeline
Posted

It's stupid whats the point of offering the newcomer one if they expect you to have credit already. Guess i'll just go with my banks secure card.

The newcomer card is for people with credit ratings for 600 and up. It's considered the 2nd step in credit cards. You start with the secured card, build up a little credit, then apply for the newcomer card. The name of it is deceiving, they should change it to the "been here a while card".

You're doing the right thing in going with the secured card. If you are married to a USC with decent credit, it will help you to be put on her credit cards as an authorized user, this is called "piggybacking" and will help you get credit faster.

Karee Grand Master

Karee   4,191

Posted
Filed: Citizen (apr) Country: Thailand
 Timeline
Posted

My wife applied for a Target credit card and was denied. I don't think she has any credit history that I'm aware of. A week later a pre-approved application from Bank of America showed up for a somewhat secured card. So she filled that out and sent it back. They debited $99 out of our account and sent her a credit card with a $500 limit. It was called BankAmericard Platinum Plus Visa.

You can click on the 'X' to the right to ignore this signature.

UK2ATL Explorer

UK2ATL   9

Posted
Filed: Lift. Cond. (apr) Country: United Kingdom
 Timeline
  • Author
Posted

My wife applied for a Target credit card and was denied. I don't think she has any credit history that I'm aware of. A week later a pre-approved application from Bank of America showed up for a somewhat secured card. So she filled that out and sent it back. They debited $99 out of our account and sent her a credit card with a $500 limit. It was called BankAmericard Platinum Plus Visa.

I'm with Bank of America and was just told about this by the bank but they said you can't apply directly you have to receive a offer just like your wife did. Their secured card is $300 deposit for $300 limit when the capital one secured card is $49 for $200 limit.

My Immigration Progress

12/12/12 - Forms Sent (i-130, i-485, i-765, i-131, i-864)

12/13/12 - USCIS Received

12/18/12 - NOA's Received

12/24/12 - Biometrics Appointment Received.

01/03/13 - RFE Received (I-485)

01/08/13 - Biometrics Appointment, Atlanta, GA (27 days)

01/15/13 - EAD Approved (34 days)

01/15/13 - AP Approved (34 days)

01/15/13 - Interview ready for Scheduling

01/18/13 - EAD in Production

01/24/13 - EAD Card Received (Serves as Advance Parole) (43 Days)

01/25/13 - Applied for Social Security Number

01/31/13 - Social Security Number Received

02/25/13 - AOS Interview Scheduled for 03/27/13

03/27/13 - AOS Interview, Atlanta, GA - Approved on the spot! (105 days)

03/27/13 - Green Card ordered for production

04/04/13 - Green Card Received (113 Days)

Karee Grand Master

Karee   4,191

Posted
Filed: Citizen (apr) Country: Thailand
 Timeline
Posted (edited)

I'm with Bank of America and was just told about this by the bank but they said you can't apply directly you have to receive a offer just like your wife did. Their secured card is $300 deposit for $300 limit when the capital one secured card is $49 for $200 limit.

That's really odd. I mean this literally just happened. My wife received the card from Bank of America yesterday.

ETA:

My wife is a U.S. citizen. I wonder if that matters.

Edited by Karee

You can click on the 'X' to the right to ignore this signature.

UK2ATL Explorer

UK2ATL   9

Posted
Filed: Lift. Cond. (apr) Country: United Kingdom
 Timeline
  • Author
Posted

That's really odd. I mean this literally just happened. My wife received the card from Bank of America yesterday.

ETA:

My wife is a U.S. citizen. I wonder if that matters.

The bank told me to apply for a normal credit card then after I'm rejected I'd receive the offer for the 99/500 card but they couldn't 100% guarantee it.

My Immigration Progress

12/12/12 - Forms Sent (i-130, i-485, i-765, i-131, i-864)

12/13/12 - USCIS Received

12/18/12 - NOA's Received

12/24/12 - Biometrics Appointment Received.

01/03/13 - RFE Received (I-485)

01/08/13 - Biometrics Appointment, Atlanta, GA (27 days)

01/15/13 - EAD Approved (34 days)

01/15/13 - AP Approved (34 days)

01/15/13 - Interview ready for Scheduling

01/18/13 - EAD in Production

01/24/13 - EAD Card Received (Serves as Advance Parole) (43 Days)

01/25/13 - Applied for Social Security Number

01/31/13 - Social Security Number Received

02/25/13 - AOS Interview Scheduled for 03/27/13

03/27/13 - AOS Interview, Atlanta, GA - Approved on the spot! (105 days)

03/27/13 - Green Card ordered for production

04/04/13 - Green Card Received (113 Days)

Karee Grand Master

Karee   4,191

Posted
Filed: Citizen (apr) Country: Thailand
 Timeline
Posted

The bank told me to apply for a normal credit card then after I'm rejected I'd receive the offer for the 99/500 card but they couldn't 100% guarantee it.

Looking back on it, I think that's what we did. Applied for a regular credit card from BofA, got shot down, and then did the 99/500 thing.

You can click on the 'X' to the right to ignore this signature.

 

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