icyscorpio
一般来美多少时间后申请信用卡?
1492
18
2006-05-21 02:06:00
刚来的时候就申请了,连着开CHECKING账户时一起申请的信用卡
不要说自己是non-resident alien也满重要的,有的银行还是满看重的
我就是在IU credit union开的checking account,同时申请了debit card和visa card,结果debit card发了,visa card被拒了。还有,网上有的人说不要盲目申请,因为审核的时候会查你的信用记录,每查一次会导致信用下降,是不是这样啊?
是有这么一说
我们当时申请的是BOA的CHECKING和VISA,没有遇上这些问题,它家貌似不是特别的在意是不是公民的,也有可能是因为申请的学生账户的缘故。但是有的银行很看重,后来再申请,有的时候就说自己是PR了,不过也没有人调查过什么
恩呢,想着有机会回国把牙拔了去了,后悔以前没有勇气去拔
说自己是citizen会不会被认为不诚信?
今天无意中看到了一些有用的信息,COPY过来给LZMM作为参考吧
Apply first at the bank or credit union where you have a checking or savings account. As long as you're employed full-time and haven't bounced any checks, your bank will probably be willing to issue you a card with a low credit limit -- say, $200 -- and gradually ratchet up that limit if you pay your bills on time. The longer you've lived at your current address or worked for the same employer, the safer a risk you are.
If your bank isn't willing to issue you a card right away, you can build a credit history over several months with a department-store or gasoline card (both of which are easier to get) or even with a small bank loan, as long as your payments are reported to the credit bureaus.
Don't shop for several cards at the same time. That mistake -- called shotgunning your credit -- is sure to sabotage your chances.
到底了
Hot Deals
All Deals