Jump to content
Sign in to follow this  
redBlue

ALL the credit cards for people with no credit history

8 posts in this topic

Recommended Posts

Filed: IR-1/CR-1 Visa Country: Canada
Timeline

I-130 Journey

04-18-09 - I-130 sent USPS Priority to Chicago Lockbox

04-24-09 - I-130 received by USCS and the first touch

04-27-09 - I-130 NOA1 (California Service Center)

04-27-09 - Check Cashed

08-13-09 - I-130 Received NOA2 e-mail

08-17-09 - I-130 Received NOA2 Hardcopy (I-797)

NVC Journey

08-17-09 - NVC Received/Case number assigned

09-08-09 - NVC sent the first mail to the petitioner

09-08-09 - DS-3032 / AOS Bill Generated

09-08-09 - E-mailed DS-3032

09-09-09 - Mailed DS-3032

09-09-09 - Pay AOS Bill (Online)

09-10-09 - AOS Bill Show as PAID

09-10-09 - IV Bill Generated

09-11-09 - Paid IV Bill

09-11-09 - NVC accepted DS-3032(received an e-mail)

09-12-09 - Mailed I-864 Package

09-14-09 - IV Bill Show as PAID

09-15-09 - I-864 received at NVC

09-16-09 - Mailed IV Package(DS-230)

09-17-09 - DS-230 package delivered to NVC(confirmed via fed-ex)

09-21-09 - NVC received the DS-230

09-23-09 - NVC sent an e-mail asking for DS-230 package

09-24-09 - NVC confirmed that the DS-230 package received

09-26-09 - Login Failed!!!

09-28-09 - Case Completed at NVC --------------------------------------------------NVC stage is completed in 38 days

01-27-10 - Medical

02-05-10 - Interview Date

04-14-10 - POE

Done with USCIS until Apr 14,2012 (Removal of Conditions)

Share this post


Link to post
Share on other sites

I applied for the Capital One® Classic Platinum Credit Card as it was recommended in another thread as a good one to apply for if you were new to the country. Got denied for not having any credit history :angry: . I wrote back to them quoting their website which indicates that this is for people that are new to the country and wish to build credit history and they just said that I couldn't have a card as my name did not appear anywhere with the three main credit agencies. :angry::angry::angry: A total waste of time! I have decided not to have a US credit card, and am using my UK ones.

I've got utilities in my name and a lease agreement with Aarons, a slower route to building credit I know, but it'll have to do!


ROC Journey
08-17-11......ROC Package mailed to VSC. I can't believe 2 years have passed by already!!
08-20-11......Package received at VSC, signed for by D. Reynaud.
08-24-11......Check cashed
08-26-11......NOA1 received, dated 8/22/11
08-10-11......Biometrics notification - appointment on 09-21-2011
09-21-11......Biometrics in Charleston, WV.
06-06-12......I-751 Approved AT LAST!!!
06-18-12......10 Year green card arrived.
Citizenship Journey
07-16-12......N400 Application mailed (Lewisville).
07-25-12......Check cashed and acceptance text received.
08-10-12......Biometrics in Charleston, WV.
09-01-12......Interview letter received.
10-05-12......Interview scheduled in Norfolk VA.

04-25-13......Oath Ceremony - Roanoke, VA - US Citizen at last!!

Share this post


Link to post
Share on other sites

I applied for the Capital One® Classic Platinum Credit Card as it was recommended in another thread as a good one to apply for if you were new to the country. Got denied for not having any credit history :angry: . I wrote back to them quoting their website which indicates that this is for people that are new to the country and wish to build credit history and they just said that I couldn't have a card as my name did not appear anywhere with the three main credit agencies. :angry::angry::angry: A total waste of time! I have decided not to have a US credit card, and am using my UK ones.

I've got utilities in my name and a lease agreement with Aarons, a slower route to building credit I know, but it'll have to do!

I believe that when you receive SSN and have no credit, you need to pull your credit report from all three agencies for them to create a file for you. Now that Capital One pulled your credit report, a record for your name should have been created and you should try again with somebody else. Don't give up :)

BTW, utility companies don't report to credit agencies unless you are really late :) Or maybe some weird ones do, but I doubt it's building your credit score.


02/12/2010 - Sent AOS package to Chicago Lockbox

02/23/2010 - NOA received for I-485, I-130 and I-765 (Day 11)

03/05/2010 - letter of appointment for Biometrics received (Day 22)

03/05/2010 - I-130 touched. (Day 22)

03/18/2010 - Biometrics taken! (Day 35)

03/19/2010 - I-485 and I-765 Touched. (Day 36)

04/08/2010 - Interview letter received (Day 56)

05/05/2010 - Touch on I-485 (Day 83)

05/06/2010 - Touch on I-130 (Day 84)

05/06/2010 - EAD Card production ordered!

05/21/2010 - Interview @ 8.50AM (Day 99)

05/21/2010 - INTERVIEW APPROVED! (Day 99)

05/24/2010 - Touch on I-485 and I-130(Day 102)

05/24/2010 - Card Production Ordered on May 21!! (Day 102)

05/26/2010 - Card Production Ordered AGAIN. Mhm... (Day 104)

05/26/2010 - EAD Received! (Day 104)

05/27/2010 - I-130 Approval notice and Green Card Welcome Letter received (Day 105)

06/18/2010 - Green Card RECEIVED!!!

06/22/2010 - Applied for SSN

06/30/2010 - SSN received!!

06/30/2010 - Applied for DL...

07/24/2010 - DL and ID Received!!!

Share this post


Link to post
Share on other sites
Filed: Citizen (apr) Country: Jamaica
Timeline

Bank of America STudent Platinum Credit card :thumbs:


6y2gm4.pngE1nrm4.png

01/06/10 - Got Married

AOS from F-1 visa (2 months 2 1/2 weeks or 82 days)

04/14/10 - Sent AOS Package

04/26/10 - Hardcopy NOAs Received

05/16/10 - Biometrics letter

05/19/12 - Successful Walk-in Biometrics in Dover DE

07/07/10 - Interview Appointment in Philly- July 7 @ 11:05 am APPROVED

07/19/10 - 2 YEAR Green Card received

Removal of Conditions (9 months 1 1/2 weeks or 285 days)

04/08/12 - Eligibility date

04/19/12 - Sent ROC Package

04/26/12 - Hardcopy NOAs Received

05/17/10 - Biometrics letter

05/24/12 - Successful Walk-in Biometrics in Dover DE

01/25/13 - APPROVED- ROC card production ordered

02/05/13 - 10 YEAR Green Card received

Naturalization (5 months 2 days or 155 days)

04/15/13 - Eligibility date

06/07/13 - Sent Package

06/20/13 - Hardcopy NOAs Received

06/27/12 - Successful Walk-in Biometrics in Dover DE

07/05/13 - Interview letter sent/In-line notification

08/14/13 - Interview scheduled in Philly @ 1:30 pm APPROVED

11/07/13 - Oath Ceremony

Share this post


Link to post
Share on other sites
Filed: Citizen (apr) Country: Colombia
Timeline

I've heard of people getting denied by Capital One for not having credit but my husband and others I recommended it to didn't have a problem at all. I say keep trying until someone approves you or do what others have done and that's to get a secured credit card with your bank. You just give them $200-$500, depending on the bank, as collateral to open a secured credit card and after a year or so you qualify to get a real credit card.

And as OCPlastique mentioned, utility companies don't report to credit agencies unless you never pay your bill. When I got my last car loan they told me that the previous loan creditor had stopped reporting my account to the credit agencies, when I asked them why they said it was because it costs money to do it, so they chose not to.

Best way to build credit is to have a credit card and use it.

Diana


CR-1

02/05/07 - I-130 sent to NSC

05/03/07 - NOA2

05/10/07 - NVC receives petition, case # assigned

08/08/07 - Case Complete

09/27/07 - Interview, visa granted

10/02/07 - POE

11/16/07 - Received green card and Welcome to America letter in the mail

Removing Conditions

07/06/09 - I-751 sent to CSC

08/14/09 - Biometrics

09/27/09 - Approved

10/01/09 - Received 10 year green card

U.S. Citizenship

03/30/11 - N-400 sent via Priority Mail w/ delivery confirmation

05/12/11 - Biometrics

07/20/11 - Interview - passed

07/20/11 - Oath ceremony - same day as interview

Share this post


Link to post
Share on other sites
Filed: AOS (apr) Country: Russia
Timeline

My application for a green card just got approved.

And I'm having the same problem - got denied twice today trying to apply for credit cards.

But I've heard about another thing - called PREPAID CARD. Like a phone, lol, u put money on it and then use it, or something like that... also the bank will charge you for that - sounds absolutely rediculous, but apperantly it works and they report to the credit agencies.

Tomorrow I'm gonna try to get one of those, since looks like I dont have any other choice.

I'll tell you all how it went.


6 june 2007 --- came to the USA

30 aug 2007 --- got married

22 july 2008 --- our son was born

19 nov 2009 --- sent the AOS with I-130, I-131 and I-765

21 nov 2009 --- the AOS in the Chickago Lock Box

30 nov 2009 --- got all the papers back, have to redo some things

1 dec 2009 --- send the papers again

10 dec 2009 --- the checks cashed

12 dec 2009 --- NOAs recieved, happy

18 dec 2009 --- Biometric App letter received for the 5th of jan

5 jan 2010 --- Biometric App is done

23 jan 2010 --- request for initial evidence (medical and tax return)

21 march 2010 --- tax return sent

7 apr 2010 --- Employment Autorisation Card recieved

16 apr 2010 --- Interview App letter recieved for May 18

7 may 2010 --- medical exam done

14 may 2010 --- medical exam papers picked up

18 may 2010 --- interview done - APPROVED

That's it!!!!! Not waiting anymore!!!!!!!!!!!!!!!!!!!

6545a0bd3c.png

Share this post


Link to post
Share on other sites
Filed: Citizen (apr) Country: England
Timeline

My parents told us, my husband and I, to try Orchard bank. The interest rate is high but they'll approve almost any body. If you're just starting out, it's the way to go. They approved my mom when she filed bankruptcy. It really helped her fix her credit up. My husband and I just had this problem, as we needed to buy a car and no one would loan us money.


flag45.gif Damian & Kelly 1502.gif

Rugby, England >> Harrisburg, PA.

Summer 2005 -- Met on Pokerstars.com

June 15th, 2006 -- Met in Person

Feb 1st, 2008 -- Filed I-129F

May 2nd, 2008 -- Visa Interview = Approved. (91days)

May 27th, 2008 -- Damian moves to America!

July 23rd - 30th, 2008 -- Damian's Mum Comes to the US for our wedding.

July 25th, 2008 -- Wedding Day!

March 16th, 2009 -- AOS Sent

May 8th, 2009 -- EAD & AP Approved (51days)

July 14th, 2009 -- AOS Approved!! (118days)

July 21st, 2009 -- Green Card Received (125days)

No RFEs the whole process :) All done myself.

December 4th - 30th, 2009 -- Visited England

April 8th - 30th, 2010 -- Damian's Brother visits us here in PA.

January 19th, 2010 -- Damian got his PA license.

December 10th - 19th, 2010 -- Visited England

September 16th - 30th, 2011 -- Damian's Parents came to visit us here in PA.

June 1st, 2011 -- Mailed ROC to Vermont.

February 21st, 2012 -- 10 Year Green Card Received

April 14th, 2012 -- N-400 Sent to Dallas Lockbox

November 26th, 2012 – Damian Became a US Citizen!!!

Share this post


Link to post
Share on other sites

Luckily I'm not desperate for a great credit score as we are not in the market for a mortgage and I don't need car loans etc., but it would be nice for a store card :) It's just very irritating when you have a lifetime of excellent credit in another country, for that to count for nothing here. We have Experian and Equifax in the UK, why on earth do Equifax and Experian in the USA not talk to their UK counterparts? The information is only an email away!!!

However, thanks DamianandKelly for the tip. I've looked at the Orchard Bank website and gone through the questions and they will give me a card. Much appreciated.


ROC Journey
08-17-11......ROC Package mailed to VSC. I can't believe 2 years have passed by already!!
08-20-11......Package received at VSC, signed for by D. Reynaud.
08-24-11......Check cashed
08-26-11......NOA1 received, dated 8/22/11
08-10-11......Biometrics notification - appointment on 09-21-2011
09-21-11......Biometrics in Charleston, WV.
06-06-12......I-751 Approved AT LAST!!!
06-18-12......10 Year green card arrived.
Citizenship Journey
07-16-12......N400 Application mailed (Lewisville).
07-25-12......Check cashed and acceptance text received.
08-10-12......Biometrics in Charleston, WV.
09-01-12......Interview letter received.
10-05-12......Interview scheduled in Norfolk VA.

04-25-13......Oath Ceremony - Roanoke, VA - US Citizen at last!!

Share this post


Link to post
Share on other sites
 
Didn't find the answer you were looking for? Ask our VJ Immigration Lawyers.

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
Sign in to follow this  
- Back to Top -


Important Disclaimer: Please read carefully the Visajourney.com Terms of Service. If you do not agree to the Terms of Service you should not access or view any page (including this page) on VisaJourney.com. Answers and comments provided on Visajourney.com Forums are general information, and are not intended to substitute for informed professional medical, psychiatric, psychological, tax, legal, investment, accounting, or other professional advice. Visajourney.com does not endorse, and expressly disclaims liability for any product, manufacturer, distributor, service or service provider mentioned or any opinion expressed in answers or comments. VisaJourney.com does not condone immigration fraud in any way, shape or manner. VisaJourney.com recommends that if any member or user knows directly of someone involved in fraudulent or illegal activity, that they report such activity directly to the Department of Homeland Security, Immigration and Customs Enforcement. You can contact ICE via email at Immigration.Reply@dhs.gov or you can telephone ICE at 1-866-347-2423. All reported threads/posts containing reference to immigration fraud or illegal activities will be removed from this board. If you feel that you have found inappropriate content, please let us know by contacting us here with a url link to that content. Thank you.
×
×
  • Create New...