First Credit Card for Intl Student
I'm thinking of getting my first credit card as I'm getting my SSN this summer. Still in college, so no stable income other than from the upcoming summer internship. Could you all throw some solid recs here for me?
Background: Junior in college, no stable income, no FICO score, no credit history. Monthly spending: mostly paying my rent (~2,250), dining and bars (~2,000), some traveling (~200).
Thanks!
With no SSN, fico score and credit history and no verifiable income... you will not be eligible for any traditional credit cards. Once you have a SSN/some income from the internship, you should get a secured credit card so you have credit history by the time you graduate.
Also $2k a month on dining and bars seems obscene for a college student... you going to Michelin stars every weekend or something?
Pretty much dine out every day.. Will def cut down on the dining by cooking myself.
So if you were me, would you just wait until I graduate from college and get some stable income? Thanks.
No... as I said you need to build credit history with a secured credit card.
If you wait until you graduate you will need to show several paystubs which will take a month or two, and they'll start you out at like a $1000 limit with no credit history so you should start building credit now
Most people get added to their parent's card as an authorized user and are able to build a history that way, but if you're international + have no income you need to go a different path
Oh I see. I'll look into secured credit card then. Thanks again!
Discover student card.
Easy app to use and the customer service is great. Still have my student card.
Leaning towards Discover It for students. Thanks!
BofA will let you get one if you have enough money in your bank account without SSN
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