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Credit Cards US Credit Cards on post

Discussion in 'questions. answers. conversations.' started by AlexZ, Jul 14, 2017.

  1. AlexZ

    AlexZ Reader

    Hi,

    when I see all the Credit Card offer here, they are most issued from US Banks / Airlines. I am German ant I don't have a US-Social Security Number. So, tell me, how I can apply for one of them. As I have seen an interview from you, where you told about your 40+ own Credit Cards.

    Thanks for a short answer,
    Alex
     
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  2. rickyw

    rickyw Active Member

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  3. MidSouth Skier

    MidSouth Skier Well-Known Member

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  4. No Name

    No Name Well-Known Member

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    Hello Alex.

    Getting a US credit card without an SSN is difficult, but not impossible.

    The simplest is the Amex International Currency Cards Charge Cards
    https://www.americanexpress.com/icc/


    More complex is getting an ITIN, simplest way is if you have enough money is to buy a rental property in the US and apply for an ITIN.
    https://en.wikipedia.org/wiki/Individual_Taxpayer_Identification_Number
    https://www.irs.gov/individuals/individual-taxpayer-identification-number-itin

    An ITIN can be used instead of a SSN when apply for a US credit card.
    https://www.nerdwallet.com/blog/cre...credit-card-without-a-social-security-number/
    https://www.nerdwallet.com/blog/credit-cards/apply-credit-card-itin-number/


    Your next issue is that you will have no US credit history.

    If you have an Amex card in Europe it possible to ask for a US card based on your payment history at home.
    https://www.americanexpress.com/global-card-transfers/united-states.html

    Alternatively you would have to build a US credit history before you would get access to the really good cards.

    Old article, but covers the basic on building US credit history
    http://www.creditcards.com/credit-card-news/immigrant-build-US-UK-credit-history-country-1508.php
    Since Lucky don't cover secured cards, try this website for information about the cards you can use to build credit.
    https://www.nerdwallet.com/blog/top...-best-secured-credit-cards/#rewards-upgrading


    @Tiffany

    Since this question keeps coming up from people with no SSN, could either you or Lucky write a blog post about the how get US credit cards without an SSN? Would be handy to just have a blog post to link to the next time the question is asked.
     
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    Last edited: Jul 15, 2017
    rickyw likes this.