Jump to content
Niagara1

*** Any recommendations Unsecured Credit Card for New Immigrant in United States ***

By Niagara1 in Moving to the US and Your New Life In America

 Share

24 posts in this topic

Recommended Posts

Niagara1 Contributor

Niagara1   2

Posted
Filed: F-2A Visa Country: Canada
 Timeline
Posted

Hi There,

 

Recently I have been moved from Canada to United States. I got my SSN and Green Card too. Can you please recommend any unsecured credit card as I don't have credit history in United States. I know that  I do have option for go with secured credit card but I don't want to go with that.

 

I did open my bank account in local bank. Also I would like to let you know that I'm full time employed since July 2017. 

 

Quick response will will be appreciated :-)

 

Thanks

Ashish

mrtravel Explorer

mrtravel   40

Posted
Filed: IR-1/CR-1 Visa Country: Russia
 Timeline
Posted (edited)

Does your local bank have a credit card?  I don't know how they handle new immigrants, but I would start with a major bank like Wells Fargo or Bank of America for a secured card.  For an unsecured card, to build credit, look at Capital One.  They also have secured cards..  Also, store cards from places like Walmart, Target,etc can help as well as gasoline cards.

Edited by mrtravel
Coco8 Experienced

Coco8   1,042

Posted
Timeline
Posted (edited)

Bank of American has one with a 500 dollar security deposit and if you make payments you get the money back rather fast. You can even ask them to give it back earlier.

 

You always need to start like that. Otherwise, you'll never get a credit card.

Edited by Coco8
Suss&Camm Experienced

Suss&Camm   2,213

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

You have to start somewhere. Why are you so against a secured card? The only negative is having a bit of money tied up for 6-12 months but in return you get a quickly improved credit score.

Otherwise,  I'd say the other options are already given. Apply for a store card or be an authorized user for a while. 

We all wish we could skip the first steps :)

K1 Visa & AOS

Spoiler

2016-03-19         i-129F Sent
2016-03-24         i-129F NOA1
2016-06-14         i-129F NOA2
2016-07-08         NVC Rec'd
2016-07-12         Case #
2016-07-13         NVC Left
2016-07-14         Consulate Rec'd
2016-07-19         Medical
2016-08-11         Interview Date (approved)
2016-09-06         Issued
2016-09-09         Visa In Hand
2016-10-19         POE Dallas Fort-Worth
2016-10-30         Our Halloween Wedding

2016-11-16         AOS package sent (i-485, i-131, i-765, i-864, g-325a, DS-3025)
2016-11-17         AOS package delivered to Chicago lockbox
2016-11-23         NOA1's by e-mail and text (@ 10:30 pm CT)
2016-11-26         NOA1 hard copies
2016-12-03         Biometrics appointment in mail
2016-12-07         Biometrics (Early walk-in Desoto, appointment was for Dec 13th)

2017-02-17         Notice of card in production by email and text (@8:00 am CT, i-765) - Day 92

2017-02-22         Notice of approval by email and text (@1:00 pm CT, i-765 and i-131) - Day 97

2017-02-22         Notice of card being mailed by email and text (@7:00 pm CT, i-765) - Day 97

2017-02-25         EAD/AP combo card arrived in mail - Day 100

2017-03-03         Notice of green card in production by email and text (@4:00 pm CT, i-485) - Day 106

2017-03-03         Notice of approval by email and text (@6:00 pm CT, i-485) - Day 106

2017-03-11          Green card arrived in mail  - Day 113

2018-12-03          First day to file for ROC (i-751)

 

giphy.gif

Niagara1 Contributor

Niagara1   2

Posted
Filed: F-2A Visa Country: Canada
 Timeline
  • Author
Posted

Thanks Guys for your valuable feedback :-)

 

I'm not against with secured card. Being a new comer I don't want to tied up my $ that's why..lol

 

I was a banker in Canada and in Canada we offer 500$ of unsecured credit card for new immigrant with no annual fees and getting cash back too. That's why I thought here also we getting something like that.

 

Any experience regarding CapitalOne MasterCard. What you guys think will I be getting?

p-ana Experienced

p-ana   933

Posted
Filed: Citizen (apr) Timeline
Posted
1 hour ago, ashish1 said:

Thanks Guys for your valuable feedback :-)

 

I'm not against with secured card. Being a new comer I don't want to tied up my $ that's why..lol

 

I was a banker in Canada and in Canada we offer 500$ of unsecured credit card for new immigrant with no annual fees and getting cash back too. That's why I thought here also we getting something like that.

 

Any experience regarding CapitalOne MasterCard. What you guys think will I be getting?

Capital one rejected my application for the secured card because my credit was inexistent. 

NikLR Grand Master

NikLR   13,232

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

Did you open an account with rbc Canada and rbc USA? If so you could have gotten a US credit card based on your Canadian credit.  

You have brains in your head. You have feet in your shoes. You can steer yourself any direction you choose.  - Dr. Seuss

 

Niagara1 Contributor

Niagara1   2

Posted
Filed: F-2A Visa Country: Canada
 Timeline
  • Author
Posted

@NikLR

No Dear. I was dealing with CIBC only as I was worked with them. And I do have very good credit history (Beacon Score) in Canada. And you know what I read all your feedback from different different subjects. So please give me your feedback here as well. Thanks :-)  

Suss&Camm Experienced

Suss&Camm   2,213

Posted
Filed: Lift. Cond. (apr) Country: Sweden
 Timeline
Posted (edited)
7 hours ago, ashish1 said:

Thanks Guys for your valuable feedback :-)

 

I'm not against with secured card. Being a new comer I don't want to tied up my $ that's why..lol

 

I was a banker in Canada and in Canada we offer 500$ of unsecured credit card for new immigrant with no annual fees and getting cash back too. That's why I thought here also we getting something like that.

Yea, there's nothing like that.  You have to start from scratch. I got a secured card with BofA - you can put in from $300 in deposit I believe. In 6-12 months with paying in full and keeping utilization at around 10-30% each month they will graduate it to an unsecured card, they have 2 cashback options; one money rewards that gives 3% back on fuel (purchases in gas station) 2% for groceries and 1% for everything else, no sign ups or fees and one travel rewards card. It will probably be easier if you start a checking with them too. From other VJers and my own experience they are one of the most immigrant friendly banks.

With CapOne if they approve you it will probably be a platinum with low credit line, having a job helps but as mentioned you might not get it until later.

Quote

Any experience regarding CapitalOne MasterCard. What you guys think will I be getting?

 

Edited by Suss&Camm

K1 Visa & AOS

Spoiler

2016-03-19         i-129F Sent
2016-03-24         i-129F NOA1
2016-06-14         i-129F NOA2
2016-07-08         NVC Rec'd
2016-07-12         Case #
2016-07-13         NVC Left
2016-07-14         Consulate Rec'd
2016-07-19         Medical
2016-08-11         Interview Date (approved)
2016-09-06         Issued
2016-09-09         Visa In Hand
2016-10-19         POE Dallas Fort-Worth
2016-10-30         Our Halloween Wedding

2016-11-16         AOS package sent (i-485, i-131, i-765, i-864, g-325a, DS-3025)
2016-11-17         AOS package delivered to Chicago lockbox
2016-11-23         NOA1's by e-mail and text (@ 10:30 pm CT)
2016-11-26         NOA1 hard copies
2016-12-03         Biometrics appointment in mail
2016-12-07         Biometrics (Early walk-in Desoto, appointment was for Dec 13th)

2017-02-17         Notice of card in production by email and text (@8:00 am CT, i-765) - Day 92

2017-02-22         Notice of approval by email and text (@1:00 pm CT, i-765 and i-131) - Day 97

2017-02-22         Notice of card being mailed by email and text (@7:00 pm CT, i-765) - Day 97

2017-02-25         EAD/AP combo card arrived in mail - Day 100

2017-03-03         Notice of green card in production by email and text (@4:00 pm CT, i-485) - Day 106

2017-03-03         Notice of approval by email and text (@6:00 pm CT, i-485) - Day 106

2017-03-11          Green card arrived in mail  - Day 113

2018-12-03          First day to file for ROC (i-751)

 

giphy.gif

NikLR Grand Master

NikLR   13,232

Posted
Filed: Lift. Cond. (apr) Country: Canada
 Timeline
Posted
4 hours ago, ashish1 said:

@NikLR

No Dear. I was dealing with CIBC only as I was worked with them. And I do have very good credit history (Beacon Score) in Canada. And you know what I read all your feedback from different different subjects. So please give me your feedback here as well. Thanks :-)  

I would try opening a credit card with rbc usa.  

You have brains in your head. You have feet in your shoes. You can steer yourself any direction you choose.  - Dr. Seuss

 

sparkles_ Proficient

sparkles_   456

Posted
Filed: AOS (apr) Country: Morocco
 Timeline
Posted (edited)

Hubs got a capital one, specifically the QuickSilver card from them. It starts out new/poor/rebuilding credit with a 300$ limit. 

Edited by sparkles_

**Adjusting from initial Q1/changed to B1 then overstay, termination of removal proceedings**

(STAND ALONE i-130/TERMINATION OF REMOVAL)

First met: Totally random by asking for directions, June 2014 while on vacation at Disney World (L)

Engaged: Aug. 21, 2014

Married: Dec. 1, 2014

ICE phone contact: sometime in early Dec. 2014- Co-operated, retained attorney who advised the same.

Filed stand alone i-130: January 2015 (VSC)

ICE home visit, schedule time to go to DHS office and NTA issued, date TBD, was not detained and released on own recognizance within an hour: January, 2015.

NOA1: Feb. 20, 2015.

Transfer to CSC to balance workloads: August 2015

1)First Master Calendar Hearing: Sept. 9, 2015-Continued based on pending i-130, new court date in 6mo.

Congressional Inquiry: Dec 8. 2015

***i-130 APPROVED WITHOUT INTERVIEW: Dec. 21, 2015** :dancing:

2)Second Master Hearing: March 9, 2016- Removal proceedings terminated w/o prejudice based on approved i-130!! Remanded to USCIS to begin AOS process :dance:

(AOS AFTER TERMINATION)

Filed AOS packet: March 16, 2016.

NOA1: March 21, 2016.

Biometrics: April 20, 2016.

RFE Initial evidence: April 21, 2016 for birth cert/translation and Q1/B1 i94s

RFE response received: May 10, 2016.

EAD approval: May 25, 2016- Card arrived at attorney's office! Could not pick up until May 30 because we were at Disney World again :):D

Notice of missing medical exam: July 2016 (Done on purpose to avoid expiration, we will bring it to the interview as stated in notice)

Inquiry about case status: Sept 2016- Case pending interview at local office.

Inquiry about case status again: Oct. 2016- Due to factors not related to your case, anticipate a delay in processing

HAPPY 2YR ANNIVERSARY TO US!!

Infopass #1 at local office: Dec. 19, 2016- Case pending background/security checks, advised when to renew EAD #2

Waiting on interview at local office...... :clock:

Sent EAD renewal: Feb 10, 2016

EAD#2 NOA1: March 3, 2016

INTERVIEW SCHEDULED!!: interview on March 27, 2017

Text notification, new card being produced: March 29, 2017!!!

*~*~*~*818 DAYS TOTAL*~*~*~

"A smooth sea never made a skilled sailor."

 
cantofla Enthusiast

cantofla   45

Posted
Filed: Lift. Cond. (apr) Country: Canada
 Timeline
Posted
21 hours ago, ashish1 said:

Hi There,

 

Recently I have been moved from Canada to United States. I got my SSN and Green Card too. Can you please recommend any unsecured credit card as I don't have credit history in United States. I know that  I do have option for go with secured credit card but I don't want to go with that.

 

I did open my bank account in local bank. Also I would like to let you know that I'm full time employed since July 2017. 

 

Quick response will will be appreciated :-)

 

Thanks

Ashish

Do you have a current relationship with American Express in Canada? If so, they will transfer a credit card for you. They offer a program called global transfer.

 

Capital One is generally a lender that will start you off with a 300-500 unsecured credit limit right away..

 

A big bank will generally only issue a secured card if you have no credit history yet, but it's not as bad as it sounds. The minimum deposit is generally $300, and it gets returned in 6-12 months if you use your card responsibly.

 

- Removal of Conditions Timeline -

07/31/17 - Mailed I-751 package to California Service Center

08/01/17 - Package delivered to CSC

08/05/17 - NOA1 received by US mail

08/10/18 - Rec'd new NOA1 with 18 month extension instead of 12 months

10/15/18 - Case transferred to Nebraska

12/26/18 - ROC Approved

Coco8 Experienced

Coco8   1,042

Posted
Timeline
Posted (edited)
12 hours ago, ashish1 said:

Thanks Guys for your valuable feedback :-)

 

I'm not against with secured card. Being a new comer I don't want to tied up my $ that's why..lol

 

I was a banker in Canada and in Canada we offer 500$ of unsecured credit card for new immigrant with no annual fees and getting cash back too. That's why I thought here also we getting something like that.

 

Any experience regarding CapitalOne MasterCard. What you guys think will I be getting?

 

Yes, the Bank of America card I mentioned is like that. They give you a visa. They never have annual fees. Plus, I believe that the first year is 0% interest rate.

Edited by Coco8
 
Didn't find the answer you were looking for? Ask our VJ Immigration Lawyers.

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
 Share
Go to topic listing
- Back to Top -

Important Disclaimer: Please read carefully the Visajourney.com Terms of Service. If you do not agree to the Terms of Service you should not access or view any page (including this page) on VisaJourney.com. Answers and comments provided on Visajourney.com Forums are general information, and are not intended to substitute for informed professional medical, psychiatric, psychological, tax, legal, investment, accounting, or other professional advice. Visajourney.com does not endorse, and expressly disclaims liability for any product, manufacturer, distributor, service or service provider mentioned or any opinion expressed in answers or comments. VisaJourney.com does not condone immigration fraud in any way, shape or manner. VisaJourney.com recommends that if any member or user knows directly of someone involved in fraudulent or illegal activity, that they report such activity directly to the Department of Homeland Security, Immigration and Customs Enforcement. You can contact ICE via email at Immigration.Reply@dhs.gov or you can telephone ICE at 1-866-347-2423. All reported threads/posts containing reference to immigration fraud or illegal activities will be removed from this board. If you feel that you have found inappropriate content, please let us know by contacting us here with a url link to that content. Thank you.
×
×
  • Create New...