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Apply For A Secured Credit Card
Willard Said:How can a permanent resident apply for a credit card?
We Answered:You have the same right to obtain credit as any one else who lives and works in the US.
There are several ways that you can begin to establish a credit history.
1. Join a Credit Union. Get a secured loan using the money in your savings account.
2. Apply for a secured credit card. You will could get one with as little as a $300 deposit. Make sure the credit card company report to all three credit bureaus.
3. Get a friend or family member to co-sign for an unsecured loan.
Judith Said:What is a good credit card to apply for to start your credit?
We Answered:Look at your credit reports.
See all 3 reports for free at http://www.annualcreditreport.com
Bank of America if:
you have no bankruptcies, unpaid tax liens or unpaid judgments, apply for a secured credit card.
You will be required to match deposit into saving account for your credit limit on card.
If you can't come up with money for deposit then you have no business having a credit card because they are for convenience and not a loan.
It will take 6 months to a year for card to go unsecured and your savings deposit, plus interest to be returned to you.
Don't apply for Orchard Bank, Capital One or any other on line credit card company. They want higher fees and make it very hard to do business with them, especially if you are carrying a balance every month or wait till last minute to make payments. Plus they are in the business of giving credit to people who are less credit worthy. You end up paying for other peoples credit mistakes. Don't do it!
Bank of America is on every corner and you don't need to mail in payments.
Never use your card for anything if you can't pay it off the same day in full. Pay the full amount each month and always pay before grace period expires (no interest).
Once you get your Bank of America credit card, use it for everything. The bank will love you for it. You will be rewarded with credit increases and lower rates, plus a higher FICO score. However, remember to never pay interest on any balance and never spend on card what you can't pay off that same day. If you need something you cannot afford, get a loan. If you can't get a loan now, wait till you build up your credit score.
You'll have fun, I promise.
Where in Ga are you from? I am in Ga as well (Duluth)
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