Credit/loans after relocating
#31
G33k!
Joined: Apr 2016
Location: The Midlands
Posts: 140
Re: Credit/loans after relocating
Hardly ever use them on my 3Series, or Mrs car, but they are useful, and the ZF Auto in the beemer is perfect adept at choosing the right gear, helps that I have 500ft/lb torque I suppose, as even if it gets caught short it just pulls on through
#32
Re: Credit/loans after relocating
I saw your question but have no direct experience, and had hoped someone else would chime in. The answer used to be a definite "no", but I think they now do have some sort of arrangement for recent immigrants, but it isn't as advantageous as the pre-point-of-immigration deals that are their bread and butter.
#33
Re: Credit/loans after relocating
I saw your question but have no direct experience, and had hoped someone else would chime in. The answer used to be a definite "no", but I think they now do have some sort of arrangement for recent immigrants, but it isn't as advantageous as the pre-point-of-immigration deals that are their bread and butter.
#34
BE Enthusiast
Joined: Nov 2013
Posts: 473
Re: Credit/loans after relocating
I saw your question but have no direct experience, and had hoped someone else would chime in. The answer used to be a definite "no", but I think they now do have some sort of arrangement for recent immigrants, but it isn't as advantageous as the pre-point-of-immigration deals that are their bread and butter.
Oh great, when the time comes I will do that. Thanks. I just don't want to commit to a big expense of another car until my income is sorted.
#35
G33k!
Joined: Apr 2016
Location: The Midlands
Posts: 140
Re: Credit/loans after relocating
EDIT :
Would assume it's possible, as they allow you to source your own car if you like, be a difficult thing to do if not in territory , But I'd give them a mail/call as they will be best placed to say I suppose.
Last edited by charlas; Apr 14th 2016 at 8:38 am.
#36
Re: Credit/loans after relocating
For transferring an Amex: does the card have to be issued directly by Amex? I have a Barclaycard Amex which I use for everything, have done for over a year and have a rather large credit limit on.
Not the end of the world if I can't but It would be useful if I could transfer to a US Amex off the back of that.
EDIT: Answered my own question via an onlince chat with Amex. Answer is no. Card must be directly issued by AMEX only. No 3rd party affiliation.
Not the end of the world if I can't but It would be useful if I could transfer to a US Amex off the back of that.
EDIT: Answered my own question via an onlince chat with Amex. Answer is no. Card must be directly issued by AMEX only. No 3rd party affiliation.
Last edited by NoOfficialComment; Apr 14th 2016 at 7:43 pm.
#37
BE Enthusiast
Joined: Nov 2013
Posts: 473
Re: Credit/loans after relocating
I've got all the paperwork they sent me through, I'll have a look if it mentions anything in there when I get 5 later
EDIT :
Would assume it's possible, as they allow you to source your own car if you like, be a difficult thing to do if not in territory , But I'd give them a mail/call as they will be best placed to say I suppose.
http://i.imgur.com/5wx5AMd.png
EDIT :
Would assume it's possible, as they allow you to source your own car if you like, be a difficult thing to do if not in territory , But I'd give them a mail/call as they will be best placed to say I suppose.
http://i.imgur.com/5wx5AMd.png
#38
Forum Regular
Joined: Nov 2015
Location: Pittsburgh
Posts: 110
Re: Credit/loans after relocating
Hi,
Two things. We got our car through IAS, ordered before we left the UK. You can also lease or get finance on a car once you have arrived in the US through IAS.
We have only been here for seven weeks but so far I've managed to gain an unsecured credit card through our bank in Pennsylvania PNC. We have cell phone contracts secured through AA i'm secured credit card through our bank in Pennsylvania PNC. We have cell phone contracts secured through AIG travelGuard. We have a lease on an apartment that we secured before we even arrived on our visas. We have also just received preapproval on a mortgage with Advancial Credit Union. All this has been achieved with no need to reference any of our UK credit history.
I suggest that you read through as many of the posts on credit and loans as possible and explore all opportunities. If somebody says no try again, everything is possible if you are prepared to do the leg work.
Two things. We got our car through IAS, ordered before we left the UK. You can also lease or get finance on a car once you have arrived in the US through IAS.
We have only been here for seven weeks but so far I've managed to gain an unsecured credit card through our bank in Pennsylvania PNC. We have cell phone contracts secured through AA i'm secured credit card through our bank in Pennsylvania PNC. We have cell phone contracts secured through AIG travelGuard. We have a lease on an apartment that we secured before we even arrived on our visas. We have also just received preapproval on a mortgage with Advancial Credit Union. All this has been achieved with no need to reference any of our UK credit history.
I suggest that you read through as many of the posts on credit and loans as possible and explore all opportunities. If somebody says no try again, everything is possible if you are prepared to do the leg work.
#39
BE Forum Addict
Joined: Aug 2013
Location: Athens GA
Posts: 2,134
Re: Credit/loans after relocating
We have only been here for seven weeks but so far I've managed to gain an unsecured credit card through our bank in Pennsylvania PNC. We have cell phone contracts secured through AA i'm secured credit card through our bank in Pennsylvania PNC. We have cell phone contracts secured through AIG travelGuard. We have a lease on an apartment that we secured before we even arrived on our visas. We have also just received preapproval on a mortgage with Advancial Credit Union. All this has been achieved with no need to reference any of our UK credit history.
I suggest that you read through as many of the posts on credit and loans as possible and explore all opportunities. If somebody says no try again, everything is possible if you are prepared to do the leg work.
I suggest that you read through as many of the posts on credit and loans as possible and explore all opportunities. If somebody says no try again, everything is possible if you are prepared to do the leg work.
It is not just a question of yes or no on credit cards and loans but what interest rate is being charged.
#40
Re: Credit/loans after relocating
If you apply for a credit product and they pull a report on your credit history then that will be a black mark even if they turn down your application. If you start getting rejections you should be very careful because each credit report will further damage your credit score.
#41
in Northern California
Joined: Apr 2014
Posts: 284
Re: Credit/loans after relocating
If you apply for a credit product and they pull a report on your credit history then that will be a black mark even if they turn down your application. If you start getting rejections you should be very careful because each credit report will further damage your credit score.
While you're in that critical phase of building credit, tell the dealers that you don't want them pulling your credit and don't hand out your SSN until you're really ready to make a deal. Keep in mind they could pull your credit without your SSN (so be careful with your address and DoB too).