United States Credit Card and Credit History
A good credit history in the United States can make your life a lot easier and
cheaper. A good credit history can for example allow you to easily apply for low
interest credit cards, obtain an equity line of credit, finance a car and even
buy a house with a low interest mortgage. Many property owners also require a
good credit history if you want to rent a house or apartment. The problem is how
to start building your credit history if you are new to the United States.
The "How to Establish a Credit History and Get a Credit Card in the United
States" information guide was especially designed for immigrants and for people
with bad or no credit history. It is in general easier to fix a bad credit than
to start building your credit.
Having a U.S. credit card offers several benefits:
- You do not have to carry cash around with you
- It can bail you out of emergencies (towing, phone
calls, hotel stays, etc.)
- It gives you time to pay back the outstanding amount
if you do not have enough cash to pay the whole debt off every month
- Renting a car
- Increased purchasing power
- Dispute charges that you did not authorize and get
your money back
The fact is that almost anyone may get a credit card
issued by a bank in the United States. You do not have to be a
United States citizen or a
Green Card holder to get an American credit
card. However, it is necessary to obtain a Social
Security Number in order to begin build your credit history. If a person is
legally in the United States on an F-1,
H-1B, H-2B,
J-1, B-2 visa (among
others types of visas), the person may apply for a
Social Security Number and consequently begin
building your credit history.
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"Good credit is your key to financial success in the United States". |
What is included in the "Establish Credit History and Get a Credit Card in the U.S. Information Package":
- How credit works
- How to get credit
- How your history is reviewed
- How to establish your credit history
- Credit bureaus
- What goes into your credit report
- How to understand your credit report
- How to monitor, correct and clean up your credit history
- Sample Credit Report
- What is Social Security
- How to legally obtain a Social Security number
- Types of Social Security cards (for U.S. citizens/residents and for non-U.S.
residents)
- Credit cards for non-U.S. residents
- Unsecured and secured credit cards
- Student credit cards
- Airline frequent flyer credit cards
- How to protect your credit
- Beware of unfair, misleading and illegal credit card offers
- How to find a reputable credit repair firm
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