Credit card

[Keem12 9]

Can my wife get a credit card without credit score once she comes to the USA? 😵 she haven't use 1 in her homeland. 

[p-ana 933]

If it’s an authorized user on one of yours, yes. 

[Georgia16 2,858]

As above or you can get her starter with a secured credit card. 

[Keem12 9]

43 minutes ago, Georgia16 said:

As above or you can get her starter with a secured credit card. 

 

1 hour ago, p-ana said:

If it’s an authorized user on one of yours, yes. 

Thanks! 

[Kürbis&Tannenbaum 20]

14 hours ago, Keem12 said:

 

Thanks! 

Piggybacking off what the above users said - go with the authorized user option instead of a secured card. That way, the authorized user can "adopt" your credit score, which is good assuming your score is adequate. 

[Georgia16 2,858]

29 minutes ago, Kürbis&Tannenbaum said:

Piggybacking off what the above users said - go with the authorized user option instead of a secured card. That way, the authorized user can "adopt" your credit score, which is good assuming your score is adequate. 

I did both and it has worked out great with both for me. 

[Kürbis&Tannenbaum 20]

7 hours ago, Georgia16 said:

I did both and it has worked out great with both for me. 

I'm curious how that worked - you did both at the same time, or one after the other? How did this change your credit score? (i.e. was it better to do both vs. just one, in your opinion)

[Georgia16 2,858]

25 minutes ago, Kürbis&Tannenbaum said:

I'm curious how that worked - you did both at the same time, or one after the other? How did this change your credit score? (i.e. was it better to do both vs. just one, in your opinion)

Yes did both at once and after 6 months i Got a letter they the gave me a regular credit card instead and my credit was excellent And I got the refund of the secured card back also. 

[Keem12 9]

1 hour ago, Georgia16 said:

Yes did both at once and after 6 months i Got a letter they the gave me a regular credit card instead and my credit was excellent And I got the refund of the secured card back also. 

How long it takes for immigrants to get a credit? If I apply for my to get 1, how long would it take?

 

1 hour ago, Georgia16 said:

Yes did both at once and after 6 months i Got a letter they the gave me a regular credit card instead and my credit was excellent And I got the refund of the secured card back also. 

 

1 hour ago, Kürbis&Tannenbaum said:

I'm curious how that worked - you did both at the same time, or one after the other? How did this change your credit score? (i.e. was it better to do both vs. just one, in your opinion)

 

[Georgia16 2,858]

2 minutes ago, Keem12 said:

How long it takes for immigrants to get a credit? If I apply for my to get 1, how long would it take?

 

 

 

Took me 6 months to see a score online and start getting reports. 

[Kürbis&Tannenbaum 20]

9 minutes ago, Keem12 said:

How long it takes for immigrants to get a credit? If I apply for my to get 1, how long would it take?

 

 

 

 

It takes 1-2 weeks to apply and physically get the credit card, then 6 months to get a credit score like mentioned above.

[Keem12 9]

6 minutes ago, Georgia16 said:

Took me 6 months to see a score online and start getting reports. 

I will try get a capital 1 card for my wife. I heard it's same day-2weeks but they start off persons with 200bucks. I think that's good for her, for now.

[Keem12 9]

2 minutes ago, Kürbis&Tannenbaum said:

 

It takes 1-2 weeks to apply and physically get the credit card, then 6 months to get a credit score like mentioned above.

Thanks so much!

11 minutes ago, Georgia16 said:

Took me 6 months to see a score online and start getting reports. 

Thanks! 

[Georgia16 2,858]

11 minutes ago, Keem12 said:

I will try get a capital 1 card for my wife. I heard it's same day-2weeks but they start off persons with 200bucks. I think that's good for her, for now.

Just remember she shouldn’t use the whole amount of that per month

[ADW & JOP 146]

There was another similar topic on this yesterday.

I have the capital one secure credit card as well as added myself onto my spouse's credit card as an authorized user.

 

This is a good article. https://www.nerdwallet.com/blog/finance/how-to-build-credit/

 

Talks a little bit more on building a credit score, such as keeping your utilization rate low as mentioned above.