Easiest Credit Card to Get In US
Feb 11th 2012, 8:19 pm
#31
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Joined: Aug 2004
Location: MA, USA
Posts: 92,170
Re: Easiest Credit Card to Get In US
In MA, in the Boston area, it's hard to get a mortgage even with a solid history, but out in the burbs, where the market is a lot slacker, it is easier to get, but mostly dependent on how much you put down and how much you can show as reserves in your bank account in case of getting laid off.
Feb 11th 2012, 8:35 pm
#32
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Joined: Sep 2009
Posts: 537
Re: Easiest Credit Card to Get In US
I didn't have to put down 20%. I got an FHA insured loan so only had to put down the 3.5% (as it happens I put down more but my point was I didn't need to). Plus as I bought new the builder covered closing costs etc. Having a UK mortgage helped me immensely. I'm fortunate that I live in Houston where housing is reasonable as I maxed out the FHA loan amount but here it's enough to buy a nice house.
Keep using the secured card it will help. The real pain is waiting to be able to get a long enough history and unfortunately this just takes time.
Keep using the secured card it will help. The real pain is waiting to be able to get a long enough history and unfortunately this just takes time.
Feb 11th 2012, 8:49 pm
#33
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Joined: Feb 2012
Posts: 19
Re: Easiest Credit Card to Get In US
I am interested in everyones experience and opinion here. That's what i wanted as it seems many individuals find it easier than others. I was also told, your profession plays a major role and how much you will put down. Some have said they ony had a few thousand whist other expats had to put a large chunk down.
Feb 11th 2012, 10:58 pm
#34
Account Closed
Joined: Aug 2002
Location: Kentucky
Posts: 38,865
Re: Easiest Credit Card to Get In US
Respectfully, to what end? Other peoples' experiences may or may not be yours. Mortgage info, credit card info, and insurance info (since you'll probably ask about it soon) is largely dependent on where you live... and, quite frankly, in none of your posts have you given any indication of where you're going to be!
Here's a hint... if you want good information, you need to give good information - otherwise, you're JAHV.
Ian
Here's a hint... if you want good information, you need to give good information - otherwise, you're JAHV.
Ian
Feb 12th 2012, 1:13 am
#35
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Re: Easiest Credit Card to Get In US
apologies i am looking at va.
Feb 12th 2012, 1:29 am
#36
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Joined: Feb 2012
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Re: Easiest Credit Card to Get In US
i am dipping in and out of the threads when i can get to a wireless connection so apologies if i am not clear enough at times. I am also running about trying to find a car, which is harder than i first thought. I had ideas, i may be able to get a finance deal on one. lol
Feb 13th 2012, 8:09 pm
#37
Waiting for GC
Joined: Jan 2008
Location: Charlotte NC
Posts: 124
Re: Easiest Credit Card to Get In US
For any future readers who may not already be in the US, if you have a AMEX card in the UK prior to moving here (you have to have been using it for 6 months prior to moving) I think they'll transfer it to the US.
Not sure about the credit limit, but at least you can start building a score immediately you arrive.
Not sure about the credit limit, but at least you can start building a score immediately you arrive.
Feb 13th 2012, 8:57 pm
#38
Wondering if...
Joined: Apr 2009
Location: Clarence, NY
Posts: 1,213
Re: Easiest Credit Card to Get In US
"Easiest"? In my case it was the credit card from my employers credit union. If you have an employers credit union it has to be the place to start. Easy to get, and a significant credit limit so up and running fast.
Of course, if your employer doesn't have its own credit union then...
Of course, if your employer doesn't have its own credit union then...
Feb 14th 2012, 12:06 am
#39
BE Site Lead
Joined: Aug 2004
Location: MA, USA
Posts: 92,170
Re: Easiest Credit Card to Get In US
For any future readers who may not already be in the US, if you have a AMEX card in the UK prior to moving here (you have to have been using it for 6 months prior to moving) I think they'll transfer it to the US.
Not sure about the credit limit, but at least you can start building a score immediately you arrive.
Not sure about the credit limit, but at least you can start building a score immediately you arrive.
Feb 16th 2012, 1:00 pm
#40
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Joined: Sep 2010
Location: Maryland (via Belfast, Manchester, Toronto and London)
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Re: Easiest Credit Card to Get In US
For any future readers who may not already be in the US, if you have a AMEX card in the UK prior to moving here (you have to have been using it for 6 months prior to moving) I think they'll transfer it to the US.
Not sure about the credit limit, but at least you can start building a score immediately you arrive.
Not sure about the credit limit, but at least you can start building a score immediately you arrive.
Feb 16th 2012, 2:39 pm
#41
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Joined: Jun 2011
Location: California
Posts: 471
Re: Easiest Credit Card to Get In US
We got an HSBC one with a $10K limit easily, but it was through a contact given by AIG/Travelguard. We weren't expecting such a high limit though, they said the limit would be $1-2K but when it was approved it said $10K 
We also have secured one's through our bank, which in my case helps as I have no SSN which means I cannot build a credit history other than with the bank....this is according to Wells Fargo and HSBC.
Vicki
We also have secured one's through our bank, which in my case helps as I have no SSN which means I cannot build a credit history other than with the bank....this is according to Wells Fargo and HSBC.
Vicki
Feb 16th 2012, 5:01 pm
#42
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Posts: 14
Re: Easiest Credit Card to Get In US
We just moved to Florida, set up a bank account with wells Fargo, they have been really helpful, set us up with a Pre paid credit card with out needing a Ssn or itin. Also it will help build up our US credit history. Only down side is the money that has to sit as security.
Feb 17th 2012, 9:09 pm
#43
Banned
Joined: Feb 2012
Posts: 31
Re: Easiest Credit Card to Get In US
If u have an HSBC account can get a credit card there i heard they have links to other banks.
Most UK banks will give u some form of credit report to take with u
Most UK banks will give u some form of credit report to take with u
Feb 17th 2012, 9:35 pm
#44
BE Site Lead
Joined: Aug 2004
Location: MA, USA
Posts: 92,170
Re: Easiest Credit Card to Get In US
UK credit reports from the UK will mean shit over here. Might be helpful for a broker when looking for a mortgage but won't do squat for a credit card.
Feb 17th 2012, 9:43 pm
#45
Banned
Joined: Feb 2012
Posts: 31
Re: Easiest Credit Card to Get In US
I heard they have some ties to other banks though well just what I heard ?wells fargo i thought but could be wrong 
