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Credit card without providing SSN?

Credit card without providing SSN?

Old Mar 28th 2011, 3:22 pm
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Default Credit card without providing SSN?

I manage more or less OK without a US credit card and often I can use my UK credit card at all physical places in the US and a few online sites.

However, it would help if I could have a US credit card for some purchases online but I don't want a regular one as I have to provide my SSN, which I don't wish to do.

Is there a credit card that I can get with a low balance ($500 is plenty) or a card that I can pre-load from my bank account or Paypal, without having to provide my SSN?
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Old Mar 28th 2011, 3:26 pm
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Default Re: Credit card without providing SSN?

Can't you use a debit card from your US account?
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Old Mar 28th 2011, 3:46 pm
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Default Re: Credit card without providing SSN?

I have read about not doing this because a debit card is connected to a bank account, and the bank account could become vulnerable.

Debit cards are not afforded the same protections as credit cards either.
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Old Mar 28th 2011, 3:52 pm
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Default Re: Credit card without providing SSN?

Originally Posted by Volt61 View Post
I have read about not doing this because a debit card is connected to a bank account, and the bank account could become vulnerable.

Debit cards are not afforded the same protections as credit cards either.
A good while ago when I owned a house here but did not have a green card or SSN I opened a bank account with Wells Fargo and they gave me a $1000 limit secured credit card.

Tied $1000 for a long time but it got me a card.
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Old Mar 28th 2011, 3:58 pm
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Default Re: Credit card without providing SSN?

Originally Posted by Volt61 View Post
However, it would help if I could have a US credit card for some purchases online but I don't want a regular one as I have to provide my SSN, which I don't wish to do.
What is your specific reason for not wanting to tell a bank your SSN?

Are you in the country legitimately?
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Old Mar 28th 2011, 4:05 pm
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Default Re: Credit card without providing SSN?

Originally Posted by sir_eccles View Post
What is your specific reason for not wanting to tell a bank your SSN?

Are you in the country legitimately?
I don't wish to proliferate the knowledge of & the holding of my SSN on more and more unknown databases.
So far, I have been able to do this save for my employer, bank account and IRS.

And yes, I am here legitimately.
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Old Mar 28th 2011, 4:06 pm
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Default Re: Credit card without providing SSN?

Originally Posted by g1ant View Post
A good while ago when I owned a house here but did not have a green card or SSN I opened a bank account with Wells Fargo and they gave me a $1000 limit secured credit card.

Tied $1000 for a long time but it got me a card.
Thanks. I'll look into that option.
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Old Mar 28th 2011, 4:19 pm
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Default Re: Credit card without providing SSN?

Originally Posted by Volt61 View Post
I manage more or less OK without a US credit card and often I can use my UK credit card at all physical places in the US and a few online sites.

However, it would help if I could have a US credit card for some purchases online but I don't want a regular one as I have to provide my SSN, which I don't wish to do.

Is there a credit card that I can get with a low balance ($500 is plenty) or a card that I can pre-load from my bank account or Paypal, without having to provide my SSN?
There are visa gift cards, but many carry purchase of usage fees of one sort or another. I can empathize with your reluctance, think you are really swimming against the tide with this SSN thing...
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Old Mar 28th 2011, 4:26 pm
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Default Re: Credit card without providing SSN?

Originally Posted by Volt61 View Post
So far, I have been able to do this save for my employer, bank account and IRS.
Uh oh... too late. Your bank didn't need it.

Ian
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Old Mar 28th 2011, 4:27 pm
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Default Re: Credit card without providing SSN?

Originally Posted by Volt61 View Post
I don't wish to proliferate the knowledge of & the holding of my SSN on more and more unknown databases.
So far, I have been able to do this save for my employer, bank account and IRS.
*shrug* you're probably on those databases already anyway whether you like it or not. I'd go to your bank and ask for a credit card if they already have your number, they will still probably want to run a credit check though.
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Old Mar 28th 2011, 4:30 pm
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Default Re: Credit card without providing SSN?

Originally Posted by Volt61 View Post
I have read about not doing this because a debit card is connected to a bank account, and the bank account could become vulnerable.

Debit cards are not afforded the same protections as credit cards either.
Good point - my account has been compromised several times from unauthorised transactions through my debit card. I will use my credit cards from now on.
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Old Mar 28th 2011, 4:33 pm
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Default Re: Credit card without providing SSN?

Originally Posted by ian-mstm View Post
Uh oh... too late. Your bank didn't need it.
Actually, I have just remembered that I didn't give it to them.
I applied for an account as soon as I arrived in the US, several weeks before my SSN card came through.
They didn't have any problem with this.
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Old Mar 28th 2011, 4:36 pm
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Default Re: Credit card without providing SSN?

Originally Posted by Volt61 View Post
I have read about not doing this because a debit card is connected to a bank account, and the bank account could become vulnerable.

Debit cards are not afforded the same protections as credit cards either.

You are correct. DCs do not give you consumer protection. However, I have no fear of using them when I shop.

As for not getting a credit card with a ssn, I don't understand what you fear is. Are you that afraid of identity theft?
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Old Mar 28th 2011, 4:50 pm
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Default Re: Credit card without providing SSN?

Originally Posted by Rete View Post
You are correct. DCs do not give you consumer protection. However, I have no fear of using them when I shop.
Shopping in actual stores is fine.
Online purchases is the problem, which is far less secure.

Originally Posted by Rete View Post
As for not getting a credit card with a ssn, I don't understand what you fear is. Are you that afraid of identity theft?
The more places know of or record your SSN, the more chances of all kinds of crime, as well as errors

The US is ahead in several aspects of modern life, but is surprisingly behind in finance and the internet, among other things.

Last edited by Volt61; Mar 28th 2011 at 4:57 pm.
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Old Mar 28th 2011, 5:59 pm
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Default Re: Credit card without providing SSN?

Originally Posted by Volt61 View Post
Shopping in actual stores is fine.
Online purchases is the problem, which is far less secure.


The more places know of or record your SSN, the more chances of all kinds of crime, as well as errors

The US is ahead in several aspects of modern life, but is surprisingly behind in finance and the internet, among other things.
Your social security number is normally encrypted on the banks database and is not given to anyone other than the IRS, credit bureaus when checking credit, and only the last 4 digits are normally shown to the customer service representative when someone calls about your account (you give the last 4 digits to the customer service representative so that he can verify who you are).

So there is no difference between purchasing online or local as far as your social security number is concerned.

Credit cards have very good protection for the customers in that is unauthorized charges are made, customers normally don't have a problem getting the unauthorized charges removed so I'm not quite sure what your concern is.
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