Establishing Credit in the US from Canada

[Mag&Chef 17]

I thought a TD card would help as well, and was given a lot of wrong and misleading information by various people at TD before finding out it can't. I've since learned that;

A TD Cross-border credit card has ZERO impact on a US Credit rating. It's just another Canadian card that processes transactions in USD.

I don't qualify for a US TD Bank card because I don't have a credit rating in the USA. Apparently they cannot even consider a CDN credit rating for a US product.

It's too late for me to get a CDN Amex card, I wish I had done that. So the only options that I can see for myself are being added onto my wifes cards, and getting a secured credit card (Where you put a deposit down for the amount of 'credit' you want.) From what I can see, the better options there are the ones offered by Capital One, and Wells Fargo, because they have the option to change into an unsecured card once you've proven yourself (which is better for your credit than replacing it with a different card down the line). They also report to the credit bureaus (Many, but not all secured cards do that).

I had TD account in canada and open TD account in New jersey, when I moved I had less then 2000 $ in TD us account, so i asked for a credit card, after a week or so I have been refused, then I called the TD customer service and asked why and what is the second option, a nice lady told me that I can have a credit card but the form is special. I went to TD bank her in NJ and asked for this special form (cross boarder form), after 03 weeks they send me another form to complete , then a week later I got a credit card with 10.000$ credit , I used my credit card to buy avery where and pay each month full balance, 02 months I got a great credit rate (721).

hope it helps