American Credit Cards

[awayinamerica]

What do you have to do to get a credit card in America? Is it hard? Can anyone get one, or do they reject people often?

[oddball]

Originally Posted by awayinamerica

What do you have to do to get a credit card in America? Is it hard? Can anyone get one, or do they reject people often?

Hello , I have never applied for an American credit card , i did , however , watch a TV show on that subject a few years ago . It appears a man applied for a credit card for his dog , put all the info on the application form and mailed it off . The pristine card arrived in his mailbox a few days later so 'Rover rolled over çause he was in clover'. Colin

[Penguins_Pet_Pumpkin]

I remember reading about a pig whose owner applied for a social security number in the pig's name. The proud porker was soon the recipient of social security payments, as well as disability benefits (I'm mean let's face it, Porky just could NOT get a job!).

Now this was when I was in high school, so you know (cough) it was a couple years ago. I believe it's still fairly easy to get a credit card in America though, as long as you have a clean credit history and a job. You might have to start small, like with a Sears card, but buy a pair of socks or some knickers, pay it off right away, and you'll have a credit history.

[nomad]

Being an American...it's usually not that hard. If you have excellent credit rating then no trouble, everyone wants you!!!

I have one through my credit union and only one is enough for me...i certainly never open new ones w/the stores offering immediate extra 15% discount if i open one with such and such store.

It's pretty much a "no-brainer"

Good luck

nomad

[synthia]

Welcome, Nomad! I have horrible credit, and yet got a store based card last year. I did it because I was making a fairly big purchase, for me, and I could get a big discount. I used a major credit card, and my recent payment history is good, and that's all it took. Once you get one, unfortunately more are easy.

[nomad]

Synthia,

I remember that store credit cards are a "piece of cake"....mortgages are a different matter...

Glad you were successful.

Have a great day!

nomad

[Intercasa]

You can start by getting a secured credit card with a limit of 150% or so of the money you place into a security fund. That money will earn nominal interest. With 2 of those cards and prompt payments, after a year or so you'll have an excellent credit rating and then the offers will come in the mail.

[ZARTAN]

its the same in many other countries. in america, they have credit cards for people with no credit, or bad credit. one company that does this is capital one. its very easy to get a credit card in america.

[Mamacats]

Yes, very easy to receive a credit card in America, start with a store credit card and the move on to Visa, Master Card.....
If that is the route you want to go but many Americans are so in debt and I believe a big reason is credit cards.

Diane aka Mamacats
Ragdoll Breeder
Portugal

[jm83]

if moving from the Uk is it possible to take credit cards such as capital one and Amex to the US with you and ask the companies to change your card account to a USD account rather than GBP?