Yesterday I sought advice on Flyertalk for a co-worker on how to obtaina a credit card in the U.S. as a non-citizen who has just immigrated here and therefore doesn’t have a credit history attached to his new U.S. social security number.
I received four pieces of advice, that I thought I’d pass along here.
- Go to the non-US bank where the person already has a relationship and have them set something up with a US affiliate, if there is one. In this case, the person is Canadian, so they could try to work through Royal Bank of Canada (which has the North Carolina-based RBC Centura) or Toronto Dominion (which has TD Bank North).
- Have their employer take them to the financial institution where the business banks, and ask a senior person there to assist.
- Get a secured card such as this one from Bank of America. After some time building a history with such a card it should be possible to obtain a standard card.
- There are also credit cards, such as this British Airways card from Chase (which carries the standard BA co-branded card $75 annual fee along with signup bonus miles), that target folks arriving in the U.S. without a US credit history. This particular card is marketed at British expats, but presumably others could use it as well. It’s a Signature Visa so the underwriting standards for issuance without a US credit history may not be insignificant.
Anyone have other approaches?