OPEN BANK ACCOUNT SSN WITH DHS AUTHORIZATION

[iwantkendi 0]

Hi everyone, im kendi from the philippines and I entered the USA last July 15, 2016 with my k1 visa. I got my ssn with DHS authorization on the first month that I got here. We got married September 1, 2016 and we already applied for my AOS Along with AP and Ead. We got the Noaq1 already and currently waiting for the biometrics letter.

Well technically im out of status as of the moment because my 90 days k1 visa already expired october 15, 2016.

I bought my savings money from the Philippines and Id like to put it in the bank.

My question is..

1. Can I open a bank account/ apply for a credit card with my SSN that has a mark that says Valid for work only with DHS Authorization? How?

2. Will the bank allow me to open an account eventhough im unemployed?

I applied for a Discover card yesterday over the phone and I got declined from the apllication. I dont know the reason why they declined me buy the lady said they will send me a letter explaining why.

3. Is it because my k1 visa is already expired and my 90 days are over here and I need to update my ssn after I got my Ead or Gc since its a temporary status.

Thanks everyone!

[Merrytooth 5,748]

Hi everyone, im kendi from the philippines and I entered the USA last July 15, 2016 with my k1 visa. I got my ssn with DHS authorization on the first month that I got here. We got married September 1, 2016 and we already applied for my AOS Along with AP and Ead. We got the Noaq1 already and currently waiting for the biometrics letter.

Well technically im out of status as of the moment because my 90 days k1 visa already expired october 15, 2016.

I bought my savings money from the Philippines and Id like to put it in the bank.

My question is..

1. Can I open a bank account/ apply for a credit card with my SSN that has a mark that says Valid for work only with DHS Authorization? How?

You only need to give the bank your SSN, no need to tell them about the Valid for work stuff -> irrelevant.

2. Will the bank allow me to open an account eventhough im unemployed?

I applied for a Discover card yesterday over the phone and I got declined from the apllication. I dont know the reason why they declined me buy the lady said they will send me a letter explaining why.

Yes, you can open bank account even if you are unemployed. Beware of banking monthly service fees. Some charge you fees if you fail to maintain daily minimum account balance. So do your research well.

Because you are new to this country, you probably don't have credit score yet. Hence, you need to build up your credit score first before banks approve your credit card application.

Read this thread here;

http://www.visajourney.com/forums/topic/496946-building-credit-score-tips-tricks/

3. Is it because my k1 visa is already expired and my 90 days are over here and I need to update my ssn after I got my Ead or Gc since its a temporary status.

Once you get your GC, you can go back to SSN office to get the wordings "Valid for work only with DHS Authorization" removed.

An SSN when issued is yours for life.

Thanks everyone!

Edited October 25, 2016 by Merrytooth

[iwantkendi 0]

thanks Merrytooth I appreciate it!

[LionessDeon 2,060]

1. Yes, go to bank and ask to open a new account. They will have some paperwork to fill out.

2. Yes, as long as you have money to open the account with.

3. Credit card companies do not usually issue credit cards to people who are unemployed. Since you are bring some money with you ask the bank about a secured credit cad when you go to open your new account.

[iwantkendi 0]

1. Yes, go to bank and ask to open a new account. They will have some paperwork to fill out.

2. Yes, as long as you have money to open the account with.

3. Credit card companies do not usually issue credit cards to people who are unemployed. Since you are bring some money with you ask the bank about a secured credit cad when you go to open your new account.

THANK YOU!

[JFH 12,190]

*~*~*moved from "what visa do I need" to "tax and finance" as OP has arrived and is now looking at banking options*~*~*

[iwantkendi 0]

Hi merrytooth, I read the link that you shared and Its really helpful!

Im just wondering, I know that I dont have a credit score yet but since I applied for Discover card and got declined will that hurts my credit score in the future when i already established a bank account/ history etc?

I read the credit card inquiries/application can hurt your credit score.

[Merrytooth 5,748]

Hi merrytooth, I read the link that you shared and Its really helpful!

Im just wondering, I know that I dont have a credit score yet but since I applied for Discover card and got declined will that hurts my credit score in the future when i already established a bank account/ history etc?

I read the credit card inquiries/application can hurt your credit score.

Read these websites:

https://www.creditkarma.com/article/hard_inquiries_and_soft_inquiries

https://www.quora.com/Can-a-hard-inquiry-hurt-me-if-I-have-no-existing-credit-score

[iwantkendi 0]

Read these websites:

https://www.creditkarma.com/article/hard_inquiries_and_soft_inquiries

https://www.quora.com/Can-a-hard-inquiry-hurt-me-if-I-have-no-existing-credit-score

You are super awesome! Thanks alot!

[miajaz052206 0]

hi wantkendi taga asa ka dria sa texas dai.. parehas ta taga davao.

[iwantkendi 0]

hi wantkendi taga asa ka dria sa texas dai.. parehas ta taga davao.

New york ko girl

[miajaz052206 0]

ah okey abi kog taga texas pod ka lol parehas lang ta taga davao..

[JRF 117]

1. Yes, go to bank and ask to open a new account. They will have some paperwork to fill out.

2. Yes, as long as you have money to open the account with.

3. Credit card companies do not usually issue credit cards to people who are unemployed. Since you are bring some money with you ask the bank about a secured credit cad when you go to open your new account.

I was under the same opinion (#3) until my experience with my wife. She opened a US bank account immediately after arriving. Within 6 months she had a Visa through the same bank with a continually expanding credit limit. The key was she paid the bill in full monthly. She also made sure her bank balance was growing every month (she's a model saver). We paid household bills using her Visa, to generate activity on the card (which we paid off immediately).

By being very deliberate about it, she has a very good FICO score, after being here less than 3 years. She signed up for a credit monitoring service, and reviews her credit score monthly. I'm in awe about her...many things...this is just one.

Edited October 26, 2016 by JRF

[Hypnos 6,576]

Your Discover card application was declined due to having no credit history.

As stated above, start out with a secured card first. I had a secured card at Merrick Bank for a year or so and used it responsibly. After that, "normal" card offers started arriving in the mail and I closed my secured card, since it had now served its purpose.

[implife 318]

Hi everyone, im kendi from the philippines and I entered the USA last July 15, 2016 with my k1 visa. I got my ssn with DHS authorization on the first month that I got here. We got married September 1, 2016 and we already applied for my AOS Along with AP and Ead. We got the Noaq1 already and currently waiting for the biometrics letter.

Well technically im out of status as of the moment because my 90 days k1 visa already expired october 15, 2016.

I bought my savings money from the Philippines and Id like to put it in the bank.

My question is..

1. Can I open a bank account/ apply for a credit card with my SSN that has a mark that says Valid for work only with DHS Authorization? How?

2. Will the bank allow me to open an account eventhough im unemployed?

I applied for a Discover card yesterday over the phone and I got declined from the apllication. I dont know the reason why they declined me buy the lady said they will send me a letter explaining why.

3. Is it because my k1 visa is already expired and my 90 days are over here and I need to update my ssn after I got my Ead or Gc since its a temporary status.

Thanks everyone!

Congratulations on your marriage!

Your husband should be the one helping you to answer these questions and guide you through settling in the country. You are his financial and legal responsibility. He should have added you to his bank account and his credit card account. If you get called for AOS interview, USCIS would expect this to have happened. You should concentrate on your relationship and get you husband, not strangers online, to help you.

Sorry for being direct.