ILW.COM - the immigration portal Immigration Daily

Home Page


Immigration Daily

Archives

Processing times

Immigration forms

Discussion board

Resources

Blogs

Twitter feed

Immigrant Nation

Attorney2Attorney

CLE Workshops

Immigration books

Advertise on ILW

VIP Network

EB-5

移民日报

About ILW.COM

Connect to us

Make us Homepage

Questions/Comments


SUBSCRIBE

Immigration Daily


Chinese Immig. Daily




The leading
immigration law
publisher - over
50000 pages of
free information!
Copyright
1995-
ILW.COM,
American
Immigration LLC.

Page 1 of 2 12 LastLast
Results 1 to 10 of 14

Thread: how to get a credit card in USA if you are a foreigner on H1B?

  1. #1
    Guest
    does anybody know how can i get a credit card in here.
    i am on H1B. 2 years already as in USA.
    have ATM card and bank account...but even at my bank every time i try to get a credit card i am told - "no, you don't have credit history"

    can anybody advice if there are any legal way to do it?

    thank's!

  2. #2
    Guest
    does anybody know how can i get a credit card in here.
    i am on H1B. 2 years already as in USA.
    have ATM card and bank account...but even at my bank every time i try to get a credit card i am told - "no, you don't have credit history"

    can anybody advice if there are any legal way to do it?

    thank's!

  3. #3
    Guest
    Hi Guest,

    I am in the same situation...I have been here on a H1B for 1 years, have had my wages deposited into a bank account....Am from the UK originally and have excellent credit there, but everytime I try to apply for credit here I get the whole "no credit history" responce....The only way I found was to a a secured credit card, where you deposit say $1000 with a bank and that secures you're credit card to a credit line of that amount, then after 18 months if you keep the credit account in good order they remove the "secured portion" and you get the $1000 back with a ridiculously small rate of interest added....

    Hope this helps, would be interested to know if anyone know's other options other than the secured cards which also come with ridiculously high fee's to open the account...

  4. #4
    Guest
    thank's a lot!

    i wonder if there are any other ways?

  5. #5
    Guest
    TO SAME BOAT:

    what U.S. Banks do the secured credit
    cards?

  6. #6
    Guest
    Hey Guest,

    Loads do, infact if you search online there are literally hundreds....Household Bank does one through Orchard Bank, if you are looking for one through an actual Bank then Bank of America does one, you can call their customer service number and go from there....I also applied through MBNA as I have an account with them in the UK they said they can take that into consideration as they are one bank....So hopefully might get something positive back there....It's a nightmare as I would like to eventually get a house, and applying for a mortgage with my partner requires very good credit..something which banks here want to make impossible to achieve!

  7. #7
    Guest
    TO SAME BOAT:

    thank's a lot!
    yes, it is a nightmare for me as well!

  8. #8
    Guest
    Thats strange. Usually the bank where you have your checking acct should offer you a credit card, especially if you have direct deposit of your paycheck. I had no problems getting credit even as a student on F1, working on OPT or on H1 etc.

  9. #9
    Guest
    they offer you if you USC, but not if you are not.

  10. #10
    Guest
    I am from the UK. The method I used was to apply for an American Express card back there just before I came to the US. American Express is a global company not a franchise like Visa or Mastercard, so you then ring American Express here in the US and ask to transfer your account here.

    If you get refused initially (like I did), ring them up with your reference number and ask to speak to the transfer people as they need to pass it to that department otherwise it gets treated as a normal application. 5 minutes later I was approved for a card! The whole thing took about 3 days.

    Hope this helps.

Similar Threads

  1. USA green card
    By joohyekorean in forum Immigration Discussion
    Replies: 4
    Last Post: 10-23-2005, 02:30 PM
  2. E3/H1B Visa : Australian to USA
    By sydharb in forum Immigration Discussion
    Replies: 1
    Last Post: 09-17-2005, 10:56 PM
  3. Idiot Overseas Credit Card Company-STIFF THEM?
    By zena in forum Immigration Discussion
    Replies: 2
    Last Post: 11-17-2004, 07:51 AM
  4. B1 -> H1B in USA... Confused?!!!
    By in forum Immigration Discussion
    Replies: 3
    Last Post: 07-29-2003, 11:55 AM
  5. Replies: 3
    Last Post: 01-30-2003, 03:01 PM

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •  
Put Free Immigration Law Headlines On Your Website

Immigration Daily: the news source for legal professionals. Free! Join 35000+ readers Enter your email address here: