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Answer:
No, it will not affect your credit history built up in Canada if you apply for a credit card in the USA. Getting a US-based credit card, you start a new, different credit file here. But to qualify for a US card, you need to comply with certain requirements. If you are a US resident (if you applied for Green Card and got it) and you have no credit records here, you may try to apply for one of Capital One credit cards designed for no/limited credit customers. Such credit cards are tailored for young people earning their living, students and persons new to the place. One of the major requirements of Capital One cards for limited payment history is the absence of any bad credit and bankruptcy records in the place where you apply. If you comply with these requirements, you can choose Capital One Standard Platinum, a no annual fee, 0% intro APR credit card, or Capital One Standard Platinum for Young Adults, its good alternative. Both these cards are for people building their credit history and having no bad credit records in their credit file. So, before you apply, make sure that your credit history in Canada is not taken into account in the USA. If, however, your previous credit records count here, you can only apply for a credit card for bad (damaged) credit rating. Consider getting Centennial Gold MasterCard®/Visa from First PREMIER Bank, a low APR card for people with troubled credit. Though the bank caters for bad credit customers, it does not always accept all applicants. Each application is reviewed on an individual basis and the decision will be made based on lots of factors. Choose a credit card suiting your credit rating and apply for it online. |
