SL2024

What did they say to you? And which bank was this with?

Hi all, Just an update on this. My fiancée has added me as an authorised user on her credit card and they said they would send a credit card for me to her. They only asked her for my name and my date of birth. They advised her to speak to a credit agency in terms of information on how I can build my credit score. She spoke to the credit agency and they said that I wouldn’t build any credit until I get my SSN in order to do that but my credit score would reflect my fiancées (which I think is around the 800 range). She is still responsible for the account though overall but I will of course be assisting with payments.

So your wife was able to be added as an authorised person on your credit card - were you living together or separately at the time? I'm just conscious that they might say no as my fiancee is in the USA and I am living in the UK at the moment and I don't travel to the USA until next month.

Thank you everyone for the advice so far. I have never had a credit card before so I really appreciate all the help with this. I have done an eligibility check for an AMEX card which came back as being very likely I would be approved. This would be useful in getting a UK account opened which can then be linked over to the USA and for applying a new card over there. I would have to wait 3 months at least though as I have to have held a UK AMEX account for at least 3 months. My cousin did send me a referral link to join for the AMEX Gold card (there is no fee in the first year but then a fee in the second year but the card can be cancelled within a 30 day period of the annual fee being taken from the account and that amount refunded looking at the info on the AMEX website) if I decide to apply for it. I have spoken to my fiancee and she is ok with adding me as an authorised user on her credit card (she is with Chase) until my credit score has been built up and then I can apply for my own credit card. In terms of other credit cards I am still looking into Capital One, etc.

Thank you - I will have a look into this Thank you - I will have a look into this

Thank you - I will have look into this Thank you - I will have a look into this

I will try the SSN letter but I might ask my fiancee to add me onto one of the utility bills as well

Can your husband add you to a utility bill? And sorry to hear that you might not post updates on this. I do find your posts informative and helpful.

Brilliant - thank you for letting me know!

@Edward and Jaycel I just thought of a question to ask you regarding this. Is requesting an updated card more for those who have a name change from marriage or should everyone select the option for an updated card when doing the relevant forms for the AOS?

That's great - thank you for the advice everyone.

Apologies I didn't mean Experian being used to get a credit card in the USA - I meant if AMEX using Experian credit score to determine whether I can have one. I'm just on the AMEX Credit Card Eligibility Checker page on their website at the moment.

I can try - I travel in about 5 weeks. I have an Experian account where I get monthly emails with my credit score on it as well. Not sure how much that helps?

I did think that all those things would be required but I didn't know if there was anything else that might have been needed that was all but thank you for confirming. I think the proof of address will definitely be the hardest to prove.

She does have a credit card and to my knowledge her credit score is good

Have you had an update on this @Melancholic Mage?

Unfortunately I don't - I haven't had a credit card before

I'm not saying they are. I'm saying in the event or off chance if it is required

Hi all, I handed in my notice at work on Friday (my notice period is 4 weeks) and I have spoken to HR regarding my P45. They have said it will be posted to me 2-4 weeks (I did ask if they could email it to me but they said it was post only) after my last working day but I am travelling to the USA just over a week after my last working day. I did ask them if it was possible for my P45 to be sent to an alternative address (due to personal/family reasons) and they said I can as long as I change it on the system 2 weeks before my last working day with the company which is fine as I would like it to go to my grandparents address and they will then take a pic of it but also post it to me in the USA. My concern is though whether in the USA whether tax authorities, employers, etc will query the different address on the P45 (if required) as it wouldn't be the address I was living at in the UK? Would I need to provide supporting evidence such as emails from work discussing them confirming I could change the address on the P45? T Has anybody had a similar experience or any advice regarding this at all? Hope you can help.

Hi all, Just wondering if there is anything else I should provide or prepare when it comes to obtaining a credit card? I am travelling to the USA next month and will be looking to hopefully obtain my SSN about 2 weeks after travelling but keen to provide as much information as I can to obtain a credit card as I have read that UK credit score ratings doesn't carry over to USA credit score ratings (not sure how accurate that is though)? Also which credit cards would you recommend? Hope you can help.

Hi all, Just wondering if there is anything else I should provide or prepare when it comes to opening a US bank account? I am travelling to the USA next month and will be looking to hopefully obtain my SSN about 2 weeks after travelling but keen to provide as much information to the bank as I can. Also which banks would you recommend banking with? Hope you can help.

I actually enquired with HR at my workplace about what their process as a result of this as I will be handing in my notice this week and they said to me that they post the P45 out and that I would receive it 2-4 weeks later. I did say to them that I would be moving to another country and they said I could amend the address on the HR system so it gets posted to a relative on my behalf who can then in turn post the P45 to me or take pics of it and send over to me.

I would say whichever one is easiest for you to organise your documents

I wasn't asked for any photos when I had my interview but I had just a few photos just in case though. There is a list of what you need for the interview on this link - https://travel.state.gov/content/travel/en/us-visas/immigrate/family-immigration/nonimmigrant-visa-for-a-fiance-k-1.html#6.

6 months