Applying for a credit card online is a hassle-free process. There are a few things that a candidate must possess in order to apply online for a credit card.

The first step to apply online for a credit card in the country is to have an SSN (Social Security Number). The SSN is assigned to people who are eligible to work in the USA. This helps the government to analyze the wage report and determine the eligibility of the benefits with Social Security.

Those who have the F-1, M-1, or the J-1 student visa, can all apply for an SSN. To get an SNN, one has to apply with the Form SS-5 and submit before the government documents that prove that the applicant has work-authorized immigration status. The applicant’s identity and age also need to be mentioned on the Form SS-5. However, certain banks do provide a solution to apply for a credit card even if the applicant doesn’t have an SSN.

The next thing that an applicant needs to have when applying for credit card, be it online or direct at banks, is a permanent address. It can be an own house or the college university address or even workplace. Having a regular source of income and checklist of savings account will be an extra advantage of being accepted to provide a credit card.

One should not try and apply for many cards because if the rejections are more, it will affect the applicant’s credit score and future transactions with other financial institution. So, it is important to apply for those cards that are designed particularly for students or employers depending upon the lower credit lines.

In the apply online credit card process, the applicant should consider applying online on a secured site. Through this process, the personal data goes transparent for the financial institution, and this helps to analyze the risk and reduce the possibility of identity theft.

Some of the classic cards that work well for American citizens are Amx, DCU (Digital Federal Credit Union) and American Express. The cycle happens by paying the credit bill balance every month end. So, there could be no revolving credit, and it is it’s quite easy to get approved once applied.

www.usbank.com is one of the genuine sites to apply online for a credit card. They have an array of cards that matches well for each profession. There are plenty of rewards to earn, depending upon the amount of transaction done periodically. It again depends upon each bank’s legal policy rules.

Building credit history
The credit bureaus approve by verifying the credit history of the applicant. Building a strong credit history is important. This is an essential point for newcomers to note because credit bureaus don’t accept credit history from the inhabitant country as the information to the US-based credit bureaus do not compile. So, the people who move from other countries to the US need to start from zero and build a transparent and robust credit history.

The only way to build credit history is by opening a credit account in the applicant’s name. It’s easy to establish a credit account by using a secured credit card.

• The cardholder will have to pay a security deposit amount to protect the lender from default.
• A taxpayer ID number is also an another option if in case the US citizen does not have a social security number.
• A permanent address proof is assuring the lenders to find the applicant if needed necessary.
• Lenders will also check the applicant’s income pay list to make sure the money borrowed on credit basics can be paid back.
• Even credit card issuers make sure the applicant have a bank account to pay back the credit bills.
• Storing gas cards is one good option to gain credit history. One can apply at local stores like Sears, Target, Kohl’s, etc. These cards are relatively easy to own. Once you have one or two of
• these cards, the payback balance applicant clear makes a good record.
• Building credit history is essential for not only applying for a credit card in the country but also securing utilities and housing. Users should also pay credit card bills on time and not overshoot spending more than the credit limit. In fact, keeping the spending at less than 30% of the limit makes it is easy for users to avoid extra charges.

Not all credit bureaus require this store card report. So, it’s better to find the documents needed before applying for credit cards online. Most banking websites would provide the list of necessary documents. Once the applicant completes all these steps, it’s just a wait to hear from them for approval. Sometimes international students find it difficult to get a credit card, and there could be many rejections. However, securing credit cards turns out to be a boon for those who do not have a credit history or are not the residents of the USA.