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Answer:
International students often have difficulty with obtaining a credit card, especially when they don't have a payment history here. However, there are some options that you can choose from. A most unfailing way to get a credit line is to apply for a secured credit card. Very often, it's the only option an international student has during the first months in the USA. We'd advise you Black Diamond Visa® from Millennium Bank, a high limit secured credit card that reports to all major bureaus, helping you establish personal credit history. Secured Visa® Credit Card of Applied Bank offers a smaller credit line but charges no set-up fee and a competitive APR. The secured cards will require you to make a cash collateral deposit which will be your limit. However, after a period, usually 6 months, of wise use and on-time payments, the deposit requirement will be eliminated and you'll be able to qualify for a standard unsecured student credit card. Once you qualify, consider applying for Standard Platinum for Young Adults from Capital One Bank, a major issuer working with students and young adults with a valid credit score in one of the US credit bureaus. You can, however, try Capital One unsecured card first, but remember that a denial will be reflected in your credit report, worsening future chances of approval.Study the credit cards online and choose the right one to start payment history in the USA. |
