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    Edmundo Daco Jr.

    If you are referring to unsecured credit cards, then it depends on how long you have been staying in the US already. If you are a new non-immigrant, then it will definitely take a lot of effort to get credit cards in the US. First, not all credit card products are available for non-US residents. That means there are only some credit cards you can apply for. Second, banks require SSN when opening savings account (which help you in getting a credit card) and approving credit card applications. This means you need to be an earning individual in the US to be able to get an SSN. Third, and probably the hardest to get if you are new in the US is a good credit score. Most banks, if not all, require a good credit score from credit card applicants to ensure the capability to pay their debt. If you are new to the US, building a credit score is another thing you need to put effort in achieving.

    To start building credit, you can get a small personal loan from private lenders so that the credit bureaus will know your existence. Some lenders, like STILT, give out loans to individuals with limited or no credit at all. There is also no SSN and cosigner requirement. You can also apply for a secured credit card. This is much easier to get compared to unsecured credit cards because there is a deposit required, which will serve as security for the banks. You can use the secured credit card for purchases. Do your monthly repayments on time and little by little, you will be able to build a good credit score. After that you will finally be able to get an unsecured credit card.

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