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I have recently moved to the United States from Canada, had good credit there. In US I have been... |
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Date:
July 15, 2008, 7:44 pm |
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I have recently moved to the United States from Canada, had good credit there. In US I have been denied credit card twice, could only get a secured one and have had it for about six months now. What should I do to qualify for a better credit card and build credit? Should I try now? Or should I wait a little longer, I don’t want to risk it, do not want to be denied again. |
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Answer:
You are right - you shouldn't risk applying for the third time and getting denied once again. Each denial in your credit card application takes your scores down and this is definitely a bad thing. What we suggest is be a bit more patient and use your secured credit card for some more time. The thing is that once you came to the USA, you need to start your credit file anew here as the credit records you attained in your native country do not count here. Perhaps, the banks you applied at do not consider 6 months enough time to achieve solid credit records and become a good credit risk. We understand that a really beneficial unsecured credit card appeals to you most, but you really have to work hard at building credit which is right to qualify for such card. If you do not want to wait, you may try luck at First PREMIER Bank which also offers unsecured credit cards for limited credit applicants. We have selected three of its best offers online - Centennial Gold MasterCard®/Visa, Gold MasterCard®/Visa and Centennial MasterCard®/Visa for your close comparison and choice. All of them report monthly to 4 major credit bureaus, thus allowing you to build credit faster. However, be ready for some set-up and annual fees if you want to have the benefits of these unsecured credit cards from First PREMIER Bank. |
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