OPEN BANK ACCOUNT SSN WITH DHS AUTHORIZATION

[iwantkendi 0]

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.

Nah its fine I appreciate that

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.

awww thats so good to hear! Thanks for sharing!

[Merrytooth 5,748]

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.

There is nothing wrong for new immigrants to find out information for themselves about how the US system works, since internet is so ready available.

Better to be self-educated than to be reliant solely on the USC spouse who may or may not feeding them the correct info.

Some like to keep the foreign spouses 'dumb' to assume full control or power over them.

Nothing is forever, including relationships.

Also, each couple has different financial dynamics. Some would like to keep their financial accounts separate.

Not having a joint bank account is not a killer if one has plenty of other proof of co-mingling.

[Ash.1101 1,756]

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.

Same with my husband. We added him to my account within a couple of weeks of him coming into the US. After him being on the account for about 4-5 months, he started getting offers for credit through our bank. Basically the card was for those who had more than X money deposited per month into their bank account, when we went to apply for him, we made sure to save money in the case he had to get a secured card, but he was approved for an unsecured Visa, even with no credit history.

The lady we talked too at the time of application said that it was most likely approved easily because of the checking account being in good standing and us depositing more than X amount of money per month into the account. Even with him having no credit, he essentially was in good standing with the bank, so the bank offered him a card!

[Ketsuban 1,034]

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.

For what it's worth, I applied for a secured card with my bank after arriving and was denied despite $6k in my savings account. I've since gotten a car loan and a Capital One card. It doesn't hurt your credit that bad.

[implife 318]

There is nothing wrong for new immigrants to find out information for themselves about how the US system works, since internet is so ready available.

Better to be self-educated than to be reliant solely on the USC spouse who may or may not feeding them the correct info.

Some like to keep the foreign spouses 'dumb' to assume full control or power over them.

Nothing is forever, including relationships.

Also, each couple has different financial dynamics. Some would like to keep their financial accounts separate.

Not having a joint bank account is not a killer if one has plenty of other proof of co-mingling.

Of course, how did we live before the internet!

If your spouse is "feeding" you incorrect information, you've got bigger problems than getting a credit card.

The ONLY reason you were allowed into the country on a K1 visa is to get married and establish a trusting, genuine relationship with your US spouse. And, surprise! surprise! , it's exactly the proof that TRUST that USCIS will be looking for when adjusting K1 visa status, not just a proof of "co-mingling".

[Merrytooth 5,748]

Of course, how did we live before the internet!

If your spouse is "feeding" you incorrect information, you've got bigger problems than getting a credit card.

The ONLY reason you were allowed into the country on a K1 visa is to get married and establish a trusting, genuine relationship with your US spouse. And, surprise! surprise! , it's exactly the proof that TRUST that USCIS will be looking for when adjusting K1 visa status, not just a proof of "co-mingling".

lolololololol.....

Go read through the 'Effects of Major Family Changes on Immigration Benefits' forum first.

And not everyone is that smart to know everything under the sun.

I trust my spouse, but that does not mean I don't double check information or do more research myself.

[implife 318]

lolololololol.....

Go read through the 'Effects of Major Family Changes on Immigration Benefits' forum first.

And not everyone is that smart to know everything under the sun.

I trust my spouse, but that does not mean I don't double check information or do more research myself.

We can agree to disagree.

I already made my point, which is simple: The ONLY reason you were allowed into the country on a K1 visa is to get married and establish a trusting, genuine relationship with your US spouse.