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SonofBaraka

Getting A Credit Card

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

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SonofBaraka Explorer

SonofBaraka   1

Posted
Filed: Country: Thailand
 Timeline
Posted

My wife just applied for a green card after getting her CR-1 Visa. She is about to get a checking account with a major U.S, bank. Assuming she receives her green card within  a week or 10 days, she will then be able to apply for a SS card and begin work. Looking at the credit card application, they want her SS#, her annual income(the amount she puts down or thru a statement from her employer?) and the source of that income. Is  my reading of the  above  correct?

debbiedoo Experienced

debbiedoo   2,339

Posted
Filed: AOS (apr) Country: Canada
 Timeline
Posted

yes but it is unlikely she get a card on her own very quickly.

 

The best way to help her build credit will be to add her on your credit accounts and to get her a secured card. After time, her own credit report will start to build and she will be able to qualify for cards on her own.

 

My husband got his EAD and SS # in june i think, and just now qualified for a very low limit unsecured card on his own. It takes time.

i 485, 130, EAD and AP

04/09/2019    NOA1 received/check cashed i 485 and 130 (direct adjustment)

11/7/2019      Interview- Norfolk

11/10/2019    APPROVED (notification rec'd 11/10, approval dated 11/8)

DONE FOR TWO YEARS!!! ;)

 

Filed everything ourselves with no RFE's or delays.

 

CR1 for Child under 21 (20 at time of filing)- Filed by LPR Spouse for his son

4/4/20     Mailed packet

4/12/20   NOA1 rec'd

10/14/21 (havent heard anything... when do i start to get worried?)

9/15/22 APPROVED! Now to wait for NVC and interview....

 

ROC

10/14/21 Mailed to AZ PO Box. Let the waiting begin. Again.

10/16/21 Received at PO Box

10/19/21 Received Text NOA1

10/23/21 Received Mailed NOA1

 

SalishSea Grand Master

SalishSea   17,857

Posted
Filed: Lift. Cond. (apr) Country: New Zealand
 Timeline
Posted
11 minutes ago, SonofBaraka said:

Does it make a difference if I have the same credit card that she would be applying for? I have had that card for 6+ years and have the highest credit rating you can have?

If she has no SSN or income, she will not get a credit card.

 

You could try adding her to yours.  That is what we did.

debbiedoo Experienced

debbiedoo   2,339

Posted
Filed: AOS (apr) Country: Canada
 Timeline
Posted
13 hours ago, SonofBaraka said:

Does it make a difference if I have the same credit card that she would be applying for? I have had that card for 6+ years and have the highest credit rating you can have?

no. that is based on YOUR credit, not HERS. She has none. She has to start from scratch.

 

as mentioned, add her as an authorized user on your credit accounts. Get her a secured credit card. Keep utilization to below 30%. Make payments on time. And Wait.

i 485, 130, EAD and AP

04/09/2019    NOA1 received/check cashed i 485 and 130 (direct adjustment)

11/7/2019      Interview- Norfolk

11/10/2019    APPROVED (notification rec'd 11/10, approval dated 11/8)

DONE FOR TWO YEARS!!! ;)

 

Filed everything ourselves with no RFE's or delays.

 

CR1 for Child under 21 (20 at time of filing)- Filed by LPR Spouse for his son

4/4/20     Mailed packet

4/12/20   NOA1 rec'd

10/14/21 (havent heard anything... when do i start to get worried?)

9/15/22 APPROVED! Now to wait for NVC and interview....

 

ROC

10/14/21 Mailed to AZ PO Box. Let the waiting begin. Again.

10/16/21 Received at PO Box

10/19/21 Received Text NOA1

10/23/21 Received Mailed NOA1

 

Kris Everett Newbie

Kris Everett   1

Posted
Timeline
Posted

I would suggest meeting with your relationship manager at your bank and explaining your situation. I sat down with mine and got approved for a credit card right away (albeit only $500) and I do not have a SSN, work permit etc yet. 

 

Once you get your SSN your bank can then link your usage of the credit card to it. 

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

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