I am new in the country and just obtained a social security number a couple of weeks back. I have applied for 3 credit cards in the last 3 – 4 weeks and all applications have been denied because of limited credit history or not enough information on file. My wife is a U.S. citizen and has several U.S. credit cards.
How can I build credit if they won’t give a credit card to start with?

4 Responses to “How to obtain a credit card if you are new in the country with limited credit history or no credit history?”

1. wendy_da_goodlil_witch on July 20th, 2009 12:55 pm

   go to your bank and ask if they will issue you one or see if you can get a copy of one of your wife’s cards.

2. girly_heather23 on July 22nd, 2009 8:00 am

   You can either get your wife to co-sign 2)open up store credit cards and pay them off on time-they help to build credit.

3. jiggsy boy on July 25th, 2009 8:56 am

   Get a secured credit card.You have to put a deposit on it as a security to obtain one.It will help you establish credit.
   Capital One has secured credit cards.

4. Jessica P on July 26th, 2009 7:16 am

   You have a number of options. The first would be to get a secured credit card. This is a card that is backed by an upfront deposit. Essentially, you give your bank a small amount (2- 5 hundred dollars usually) and they will issue a line of credit. If you default on that line of credit, the amount owed will be taken out of the amount you have pre-deposited.

   Here is a link to an article that discusses secured credit cards in depth.

   What You Should Know About Secured Credit Cards

   And one that discusses how to get credit without having any.

   Shed The No Credit Label

   Hope that helps =)

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