{"id":130204,"date":"2024-10-12T08:00:00","date_gmt":"2024-10-12T12:00:00","guid":{"rendered":"https:\/\/milesopedia.com\/news\/how-to-get-us-credit-cards\/"},"modified":"2024-11-11T03:59:00","modified_gmt":"2024-11-11T08:59:00","slug":"get-us-credit-cards","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/guide\/tutorials\/get-us-credit-cards\/","title":{"rendered":"Guide: How To Get U.S. Credit Cards?"},"content":{"rendered":"

[vc_row][vc_column][vc_custom_heading text=”How to Get U.S. Credit Cards” css=”” el_id=”how_to_get_u_s_credit_cards”][vc_column_text css=”” el_class=”checkmarks”]<\/p>\n

In this article, you will find out more about my experience that started in July-August 2017. By January 2024, I’m on my 7th U.S. credit card and my U.S. credit score is 780.<\/p>\n

[\/vc_column_text][vc_message color=”warning” message_box_color=”warning” icon_fontawesome=”fas fa-exclamation-triangle”]<\/p>\n

I am not an accountant, lawyer or tax specialist and therefore cannot advise you on this matter in relation to your personal situation<\/strong>. So check with a specialist before taking these steps.<\/p>\n

[\/vc_message][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=”Before You Start” css=”” el_id=”before_you_start”][vc_custom_heading text=”How Does Credit Work in the United States?” font_container=”tag:h4|text_align:left” el_id=”how_does_credit_work_in_the_united_states_”][vc_column_text css=”” el_class=”checkmarks”]<\/p>\n

Whether in Canada or the U.S., your credit history is generally linked to your Social Insurance Number<\/strong> (SIN in Canada, SSN in the U.S.), as well as other information such as your first and last name, residential addresses and past and present employment.<\/p>\n

SIN and SSN both have nine digits. But a very important reminder: please do not use your Canadian Social Insurance Number (SIN) instead of your U.S. Social Security Number<\/em> (SSN) when applying for credit cards<\/strong>.<\/p>\n

In fact, if your SIN matches an existing SSN of a U.S. resident, you’ll be committing identity theft<\/strong> that can be dramatic for the person whose SSN you’re “borrowing”!<\/p>\n

If you don’t have an SSN for your American credit card applications, you’ll eventually need an ITIN: the Individual Taxpayer Identification Number<\/em>, as we’ll see later. This will enable you to apply for credit cards from institutions other than American Express, and can greatly facilitate your application process. <\/p>\n

[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=”The Main Rules to Know in the United States” font_container=”tag:h3|text_align:left” css=”” el_id=”the_main_rules_to_know_in_the_united_states”][vc_column_text css=”” el_class=”checkmarks”]<\/p>\n

Choose your first U.S. credit cards wisely. Don’t forget that you’ll be starting your credit file from scratch.<\/p>\n

Therefore, it is advisable to start with a credit card that you will keep<\/strong> for many years to improve your credit history. While the natural choice might be a no-annual-fee credit card, you’ll see below that it’s also possible to start differently.<\/p>\n

One issuer in particular keeps a close eye on the number of credit cards on your credit file: Chase. The rule is 5\/24<\/strong>. This means that you will not be able to get credit cards from Chase if you have opened more than 5 credit cards in the last 24 months from any one issuer<\/strong>.<\/p>\n

One way to avoid this: corporate credit cards<\/strong>. Most of these cards don’t appear on your credit file, so they don’t fall under the 5\/24 rule. <\/p>\n

[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=”Have at Least One American Express Card in Canada” font_container=”tag:h3|text_align:left” css=”” el_id=”have_at_least_one_american_express_card_in_canada”][vc_column_text el_class=”checkmarks”]The key to getting started with credit card applications in the U.S. is to hold an American Express card in Canada for at least 90 days<\/strong>.<\/p>\n

If not, use this page to find the best American Express credit card<\/a> for your needs.[\/vc_column_text]

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<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=”An Address in the United States” font_container=”tag:h3|text_align:left” el_id=”an_address_in_the_united_states”][vc_column_text el_class=”checkmarks”]<\/p>\n

Before you apply for your first U.S. credit card, you’ll need a U.S. mailing address.<\/p>\n

Two solutions:<\/p>\n