How do you apply for a US credit card?

RVC
CanuckAbroad Regular


Moving to Adelaide from Vancouver

Joined: 14 May 2007
Posts: 34
Location: Vancouver

Posted: Fri Jul 06, 2007 10:07 pm

 

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After about 3 months on a TN I got a credit card with Bank of America. I did nothing special, just applied. It also had nothing to do with my Canadian credit.

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dalek
New Member



Joined: 03 Jul 2007
Posts: 3
Location: Atlanta

Posted: Mon Jul 09, 2007 7:34 am

 

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You can also get a secured credit card with a low limit from your bank (we got one at Bank of America the first couple weeks we lived in the US), there will be a fee, and you will have to pay a deposit to secure it (I know.), BUT, after a few months of paying that off every month you will be in a MUCH better position. This may be simpler than going the Equifax route, although they may have updated their processes in the past year or so since I attempted.

The RBC idea is quality too.

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rdonofrio
New Member



Joined: 10 Jul 2007
Posts: 2
Location: Montreal

Posted: Tue Jul 10, 2007 8:09 am

 

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Contact RBC Centura. They use Canadian credit history

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B0000rt
CanuckAbroad Regular



Joined: 15 May 2007
Posts: 32
Location: Carteret, NJ

Posted: Tue Jul 10, 2007 5:24 pm

 

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Amex method is by far the EASIEST method in establishing American credit rating.

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Reba
Moderator


Canuck in NC

Joined: 16 Jul 2004
Posts: 1451
Location: North Carolina

Posted: Fri Jul 13, 2007 6:18 am

 

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depends which Mastercard. I had a MBNA Canada mastercard and was able to get a MBNA America card when I moved here. I called them and filled out their application and included a copy of my Canada statement, they checked my credit in Canada and sent me a US card.

And they keep raising my limit! My credit rating is now better than my husband's, who has lived here in the US all his life (except for a few years of military service).
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jomo
New Member



Joined: 18 Jul 2007
Posts: 8
Location: CT

Posted: Wed Jul 18, 2007 4:27 am

 

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I had the same problem with receiving a US credit card. Capital One did eventually give me a "Platinum" MasterCard.with a $300 limit. I've been putting alot of small charges on this card and paying them off within a couple of days. I have since had the limit on this card raised to $500 and received a second Platinum MC from Capital One with a $500 limit. I like the idea in a previous post about having Amex issue a US card if you already hold a Canadian Amex card. Anyway, good luck.

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RVC
CanuckAbroad Regular


Moving to Adelaide from Vancouver

Joined: 14 May 2007
Posts: 34
Location: Vancouver

Posted: Wed Jul 18, 2007 9:57 am

 

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By the way, the Bank of America credit card which i got without any hassles gave me a $6000 credit limit. Once again, they did not check my Canadian credit and i had only been in the US for 2-3 months. I also was not making a significantly large salary.

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canuckmom
Junior Member



Joined: 01 Jun 2007
Posts: 14

Posted: Thu Jul 19, 2007 12:33 am

 

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Payroll deposit may help. We have an account at Wells Fargo with direct pay deposit and they gave us a Platinum Visa with a high limit a couple of weeks after we moved.

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