Go Back  British Expats > Living & Moving Abroad > USA
Reload this Page >

Easiest Credit Card to Get In US

Easiest Credit Card to Get In US

Old Feb 10th 2012, 8:23 pm
  #1  
Just Joined
Thread Starter
 
Joined: Feb 2012
Posts: 19
JockBrocas is an unknown quantity at this point
Default Easiest Credit Card to Get In US

Can anyone identify the easiest credit card to get in USA for immigrants.
JockBrocas is offline  
Old Feb 10th 2012, 8:25 pm
  #2  
Septicity
 
fatbrit's Avatar
 
Joined: May 2004
Posts: 23,762
fatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond repute
Default Re: Easiest Credit Card to Get In US

Originally Posted by JockBrocas View Post
Can anyone identify the easiest credit card to get in USA for immigrants.
Discover -- easiest for anyone.
fatbrit is offline  
Old Feb 10th 2012, 8:26 pm
  #3  
BE Enthusiast
 
Joined: Mar 2010
Location: Oakland County, Michigan
Posts: 846
NatashaB has a reputation beyond reputeNatashaB has a reputation beyond reputeNatashaB has a reputation beyond reputeNatashaB has a reputation beyond reputeNatashaB has a reputation beyond reputeNatashaB has a reputation beyond reputeNatashaB has a reputation beyond reputeNatashaB has a reputation beyond reputeNatashaB has a reputation beyond reputeNatashaB has a reputation beyond reputeNatashaB has a reputation beyond repute
Default Re: Easiest Credit Card to Get In US

I have managed to get a capital one card ($700 limit) orchard bank ($300 limit, this is advertised as a card for people with no/bad credit) bank of america ($500 limit, it was advertised as a partially secured card, i had to pay $100 deposit) and a spirit airlines card ($1000 limit) since moving here.

Orchard bank or Capital one is probably your best bet.
NatashaB is offline  
Old Feb 10th 2012, 8:27 pm
  #4  
Just Joined
Thread Starter
 
Joined: Feb 2012
Posts: 19
JockBrocas is an unknown quantity at this point
Default Re: Easiest Credit Card to Get In US

is it expensive in terms of apr etc
JockBrocas is offline  
Old Feb 10th 2012, 8:28 pm
  #5  
Septicity
 
fatbrit's Avatar
 
Joined: May 2004
Posts: 23,762
fatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond repute
Default Re: Easiest Credit Card to Get In US

Originally Posted by NatashaB View Post
I have managed to get a capital one card ($700 limit) orchard bank ($300 limit, this is advertised as a card for people with no/bad credit) bank of america ($500 limit, it was advertised as a partially secured card, i had to pay $100 deposit) and a spirit airlines card ($1000 limit) since moving here.

Orchard bank or Capital one is probably your best bet.
I'd avoid Orchard if you're wanting to start a credit history rather than repair a messed up one. You don't want to be shutting down your first card as it will shorten your history. But you'd not want to keep an Orchard card, either.
fatbrit is offline  
Old Feb 10th 2012, 8:33 pm
  #6  
BE Enthusiast
 
Joined: Mar 2010
Location: Oakland County, Michigan
Posts: 846
NatashaB has a reputation beyond reputeNatashaB has a reputation beyond reputeNatashaB has a reputation beyond reputeNatashaB has a reputation beyond reputeNatashaB has a reputation beyond reputeNatashaB has a reputation beyond reputeNatashaB has a reputation beyond reputeNatashaB has a reputation beyond reputeNatashaB has a reputation beyond reputeNatashaB has a reputation beyond reputeNatashaB has a reputation beyond repute
Default Re: Easiest Credit Card to Get In US

So if i cancel a card, it disappears off my history? I didn't know that. Orchard was not the first one i got, anyway.
NatashaB is offline  
Old Feb 10th 2012, 8:40 pm
  #7  
Just Joined
Thread Starter
 
Joined: Feb 2012
Posts: 19
JockBrocas is an unknown quantity at this point
Default Re: Easiest Credit Card to Get In US

so discover is by far the best and reasonable charges
JockBrocas is offline  
Old Feb 10th 2012, 8:54 pm
  #8  
Lost in BE Cyberspace
 
sir_eccles's Avatar
 
Joined: Mar 2010
Location: Phoenix, AZ
Posts: 8,106
sir_eccles has a reputation beyond reputesir_eccles has a reputation beyond reputesir_eccles has a reputation beyond reputesir_eccles has a reputation beyond reputesir_eccles has a reputation beyond reputesir_eccles has a reputation beyond reputesir_eccles has a reputation beyond reputesir_eccles has a reputation beyond reputesir_eccles has a reputation beyond reputesir_eccles has a reputation beyond reputesir_eccles has a reputation beyond repute
Default Re: Easiest Credit Card to Get In US

Originally Posted by NatashaB View Post
So if i cancel a card, it disappears off my history? I didn't know that. Orchard was not the first one i got, anyway.
In general, cards closed in good standing at your request may stay on your credit history for I think 10 years. Closed in bad standing 7 years.
sir_eccles is offline  
Old Feb 10th 2012, 9:29 pm
  #9  
Septicity
 
fatbrit's Avatar
 
Joined: May 2004
Posts: 23,762
fatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond repute
Default Re: Easiest Credit Card to Get In US

Originally Posted by NatashaB View Post
So if i cancel a card, it disappears off my history? I didn't know that. Orchard was not the first one i got, anyway.
It'll still be on your history but it won't do your score any favours. This is especially true with young scores.
fatbrit is offline  
Old Feb 10th 2012, 9:32 pm
  #10  
Just Joined
Thread Starter
 
Joined: Feb 2012
Posts: 19
JockBrocas is an unknown quantity at this point
Default Re: Easiest Credit Card to Get In US

how do these credit scores work? especially when you are new and just needing to start.
JockBrocas is offline  
Old Feb 10th 2012, 9:48 pm
  #11  
Deep in the woods of CT
 
Nutmegger's Avatar
 
Joined: Feb 2010
Posts: 5,919
Nutmegger has a reputation beyond reputeNutmegger has a reputation beyond reputeNutmegger has a reputation beyond reputeNutmegger has a reputation beyond reputeNutmegger has a reputation beyond reputeNutmegger has a reputation beyond reputeNutmegger has a reputation beyond reputeNutmegger has a reputation beyond reputeNutmegger has a reputation beyond reputeNutmegger has a reputation beyond reputeNutmegger has a reputation beyond repute
Default Re: Easiest Credit Card to Get In US

Originally Posted by JockBrocas View Post
how do these credit scores work? especially when you are new and just needing to start.
Check the wiki:

http://britishexpats.com/wiki/Fatbri...it_and_Finance
Nutmegger is offline  
Old Feb 10th 2012, 9:58 pm
  #12  
BE Forum Addict
 
Joined: Oct 2007
Location: Charlotte,NC
Posts: 1,714
Orangepants has a reputation beyond reputeOrangepants has a reputation beyond reputeOrangepants has a reputation beyond reputeOrangepants has a reputation beyond reputeOrangepants has a reputation beyond reputeOrangepants has a reputation beyond reputeOrangepants has a reputation beyond reputeOrangepants has a reputation beyond reputeOrangepants has a reputation beyond reputeOrangepants has a reputation beyond reputeOrangepants has a reputation beyond repute
Default Re: Easiest Credit Card to Get In US

Originally Posted by JockBrocas View Post
so discover is by far the best and reasonable charges
You asked for the easiest card to get - not the best or the one with reasonable rates (if such a thing exists!). The best cards are ones with airmiles, award programs etc. No idea about rates/charges as never held a balance.
Orangepants is offline  
Old Feb 10th 2012, 10:01 pm
  #13  
Just Joined
Thread Starter
 
Joined: Feb 2012
Posts: 19
JockBrocas is an unknown quantity at this point
Default Re: Easiest Credit Card to Get In US

I suppose i should have been a little clearer. In an ideal world, one would want the easiest with the best. Though i know that is too much to hope for.
JockBrocas is offline  
Old Feb 10th 2012, 10:32 pm
  #14  
Septicity
 
fatbrit's Avatar
 
Joined: May 2004
Posts: 23,762
fatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond repute
Default Re: Easiest Credit Card to Get In US

Originally Posted by JockBrocas View Post
how do these credit scores work? especially when you are new and just needing to start.
http://www.bankrate.com/calculators/...alculator.aspx

You can have a 700+ score in under a year if you play your cards right. But you'll still be refused the best credit for lack of history.
fatbrit is offline  
Old Feb 11th 2012, 12:14 am
  #15  
Bob
BE Site Lead
 
Bob's Avatar
 
Joined: Aug 2004
Location: MA, USA
Posts: 91,719
Bob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond repute
Default Re: Easiest Credit Card to Get In US

AmEx, with a global transfer if you already had one.


Other wise a secured card, with who ever, BoA seems extra easy.

Then try local credit unions.
Bob is offline  

Contact Us - Archive - Advertising - Cookie Policy - Privacy Statement - Terms of Service - Do Not Sell My Personal Information

Copyright © 2018 MH Sub I, LLC dba Internet Brands. All rights reserved. Use of this site indicates your consent to the Terms of Use.