How to apply for an American credit card

First of all, choose a department store shopping credit card that is easier to apply for to establish personal credit.

General department stores will give gifts from time to time during the promotion period to encourage applications. Although this card is only used by department stores, it is used to stimulate consumption when the department store industry is depressed, and the credit limit is not as good as that of ordinary credit cards.

High, so the audit scope is wider, and it is easier to obtain their credit cards, thus establishing personal credit records. Once the credit is established, you must keep a good credit record and use this card as a springboard to apply for other credit cards in the future.

Second, bank account, and apply for a credit card.

In major cities in the United States, there are many banks, which deal in all kinds of businesses. In addition, banks attach importance to new immigrants and student consumer groups and encourage them to open accounts and deposit in banks, so they will not give high credit lines at once. But this is a good chance for new immigrants and students with no credit history to win credit cards. New immigrants and international students should take the initiative to consult local banks, and don't miss it easily.

Many banks may require people who have not established credit to save money as collateral. Generally, a deposit of $2,000 can give you a credit limit of $65,438+0,000. Some banks are even lower, such as BMO, and only need to deposit 1.25% of your credit card limit. If you have your first credit card and use it frequently, and have a job after six months to one year, you will succeed in applying for any card.

Third, the student-specific application form

Students' credit card market has been paid more and more attention, so students' applications can often be seen on the school bulletin board. Applications often require a student ID card, registration certificate or tuition bill to be attached to the application, and some also require the school registration department to stamp to show that the student's identity is correct. It is easier to get approval because of the relative proof of the identity of the school or student.

Four. Find a co-signer to assist in the application.

For those who cannot apply for credit due to lack of credit information or income, it is best to use an application form signed by a co-signer, who is preferably a relative or friend with a good credit record.

When you guarantee that you can't repay, the obligation to repay. Credit card companies are more willing to issue cards to such applicants without lack of money. After the credit is established, try to apply for establishing personal credit independently, without guarantee.

Verb (abbreviation for verb) uses mailbox information.

Once the personal credit record is established, the credit card application form will even be sent to your mailbox. Most of these applications are advertised as pre-approval. However, individuals can weigh their own needs and the above factors and decide whether to apply. There are few cases of refusal.