You want apply for credit card? In the United States you need it in many situations, such as when you are a foreign student who arrives in the country and you find yourself with the need to apply for it but you do not know how to apply to get it due to the time you will stay.
Well, this is the most common situation, especially if you arrive from a country where most people manage to buy with a debit card or simply with cash.
But in the case of the United States, it is best if you try to request it because it is the way in which all Americans or foreigners who arrive for a tour or to study are handled, then …
Step by step how to apply for a credit card
Therefore no matter how long you stay in the United States apply for credit card It is the most convenient for you, because if your intention is to stay, work and in the future buy a house or if you are a student and want to buy a mobile phone, which is essential, you will need a credit card to make your purchases in the United States :
- When you approach a bank to pay for a credit card, they will ask for your social security number. This is the number that all people have to be able to work in the United States.
Then request it because for example with your J1, M1 or F1 student visa you have authorization to work in the United States and therefore you can also request your SSN.
If you are a student, request authorization from the Department of Homeland Security to allow you to work off campus and then complete the SS5 form and present the documents of your immigration status and take the documents and the application to Social Security.
- With your social security number you can request your credit card, for which you must have installed a permanent address because the bank will request it.
In the event that you are a student, you can provide the address of the school you attend.
If you have a savings or checking account and you work, after which you earn a stable income, it will be easier for you to be accepted for your credit card.
- Then you just have to wait for your application to be approved.
Apply for secured credit card
Applying for secured credit cards is much easier if you are a foreign student, since not being a resident of the United States and did not develop a credit history, it is the type of credit card that is best for you because with the deposit you must make your line of credit is opened and it will be reported on your credit report as one of the regular type.
How to apply for a credit card
In order to apply for credit card, follow these steps:
Step 1: First of all you must know what your credit score is, since it will depend on whether your application is approved, for example if your score is between 300 and 629 it will be bad credit, between 630 and 689 your credit will be average, between 690 and 719 you will have a good credit and from 720 it is an excellent credit.
In order for your application to be approved, you must report good credit or excellent credit. If you did not succeed, it is a good idea to let time pass until you can reestablish yourself with your credit report, for example if you already have other credit cards keep the balance as low as you can and avoid making new purchases.
Step 2: In the event that you do not have a good credit score, it is most likely that your application will not be approved, therefore it is convenient that you contact the card issuer and find out the requirements to obtain it.
Apply for Capital one credit card
- Enter the official Capital One website to request your card online anytime you want and by browsing you will get to personal credit cards.
- From the Credit cards tab you will find the option Compare credit cards.
- You will see the different types of credit cards and you will be able to choose between Popular, Insured, Student or Business, choose what corresponds to you and finally choose the Credit Level enter All, Average, Excellent or Reconstruction.
- The site will provide you with the card options that you can request including the purchase rate, the reference information, the annual fee and the required credit level.
- Choose according to that information the card that best suits you and click Apply Now.
- Then you will read all the information with the interest rate and the rewards offered by the card you chose and you will have to complete the application form with your personal information: name and surname, your date of birth, the Social Security number and you must also check the box corresponding to whether you are a United States citizen or not.
You will also need to provide your contact details with your email address and main phone number.
Finally, you will provide your financial information with your employment status, for example if you are employed, if you work on your own, if you are a student, retired or unemployed; what is your annual income, the value of the mortgage or the rent you pay, you must also indicate if you have a bank account and what is the monthly expense of the card and finally click on Continue.
- On the next page, control all the data that it throws, Send the request and wait until your request is approved and your card will arrive in the mail between 7 and 10 business days.
How to apply for a Walmart credit card
- Login to walmart.com / cp / walmart-credit-card / 632402 ″ target = »_ blank» rel = »noopener»> https://www.walmart.com/cp/walmart-credit-card/632402
- From the official Wal Mart financial services site you can request any of the available cards, the Discovery Wal Mart, the Wal Mart MasterCard or the standard Wal Mart.
- Create your Wal Mar account and you will access it without having to re-enter your information each time you visit the site.
- You will see the application for the credit card, complete the application with your personal information with your email address, your phone number, your current address, the time you have lived in that same address, your annual income, your date of birth, your driver’s license number and social security number.
- You will see the terms and conditions, read them and accept them.
- Finish by signing the Wal Mart credit card application electronically by clicking Accept & Submit.