Hello everyone. Question to me: I am a bank account manager at PNC Bank in the United States already ...
Hello everyone. Q: I have been managing a bank account at PNC Bank in the United States for a year now. The account is running very well and I also got a Dibbit Card from them. Now I got a proposal for Credit Card too, but the manager of the branch cooled my enthusiasm and said that eventually they would not approve me because I do not have a Social Security Namber. Does anyone have any idea how you can still get the credit Card?
The Secured card builds your credit, but it has no practical importance until you receive a social card - but the advantage is that once you receive a social card, you will have the history that is critical for building a credit score. That's what I did, and if I hadn't done it right when I arrived in the US even before I had Social Security, my credit today would be much lower because there is a parameter of the average credit life and every time you take out a mortgage, the average is probably small if I didn't have the first credit card I took eight years ago For years my credit was much lower even though it is perfect without any anomalies
In my experience, it is possible to build a credit score from a credit card even when the bank account is private. The point is that the bank will not give you a loan without pay slips in the US, Citizen / Green Card… so the credit score is irrelevant in this case.
Also remember that each year you pay about 40 dollars on the card.
In the end it is convenient for shopping on Amazon / eBay etc. but no more than that…
A credit card for a business account, on the other hand, allows you to take out a loan after two years (do not know the terms…).
All of this is from recent clarifications I made with Bank of America
Hi Yair,
The chance of getting a loan from a bank is great given the fact that you have a credit card - not in the sky.
In the case of a mortgage they want w-xnumx, good credit - not just from credit card, repayment ability,
LTV-Loan to Value
And more.
And for the buck press, it's really divorced and it's only with very certain cards like
Discover
More simply get a credit card from one of the major stores, and from there switch to a bank card.
And it still does not guarantee you will get a loan.
Bottom line, I would not trust a loan, on the other hand another credit card can not hurt.
Successfully
I don't understand what is so longed for, the very fact that you will have a US credit card in your wallet or the terms that are offered to you?
It is also possible for Picon security and certainly itin
There is a possibility to issue a secure credit card, you need to close the bank with a sum and give you a credit line on the card (you closed 1000 $, you can use credit for that amount).
After a certain period (year + -) when you see that you are using a card, paying on time and have no problems return you what you deposited and now you have a regular credit card without a deposit, after another period increase your credit etc.
It is possible with ITEN and good relations at the bank
I have only now after a few years with the bank and after two years residence in Florida agreed to issue a credit card for the construction of credit review