m*****a
发帖数: 2609 | 1 老婆刚拿到ITIN，考虑build credit for a long run，想给她开个credit card。网上搜了搜，看网上众说纷纭，所以干脆自己试验了一下：
(1) Amazon Chase: Pending
动机：
申这个是因为这个申请上明确说可以使用ITIN. Quote:
“Requirements: You must be a U.S. Resident, have a U.S. Social Security
number (SSN) or U.S. Individual Taxpayer Identification Number (ITIN), and
be at least 18 years old (19 in AL and NE).”
http://www.amazon.com/gp/help/customer/display.html?ie=UTF8&nod
结果：Pending
"Thank you for applying for the Amazon.com Rewards Visa Card.
Unfortunately, an immediate decision about your application can not be
provided as it requires further review. You will be notified in writing
about the status of your application within 30 days."
(2) AMEX Hilton Honor: (To fax/call)
动机：
网上很多说AMEX接受ITIN
结果：
先让打电话，然后说需要SSA certificate SSN validity。如实说没有SSN，只有ITIN
，磨叽了半天，我提议把denial letter of SSA和approval notice of ITIN发过来review，CSR也同意，但不能保证review结果。又打了两个电话，好的是都没有说只有ITIN没SSN不行，但是大体都是要我找出个说法。所以估计就是先把上面材料发过去，等等看吧。
(3) Citi Forward
结果：直接不让提交, "there is a system error"
(4) BOA Cash Rewards
结果：这里本来有个checking，结果跟citi一样，直接说SSN not valid，都不让提交。
(5) capital one
结果：直接pending，说7到10天给结果。
总之，看到了，以上都不是很乐观。不行的话，估计哪天到BOA local branch开个secure credit card试试。请问大家有什么成功（包括Argue后）经验吗？另外，未来拿到SSN后，ITIN期间的credit history能够成功关联吗？谢谢！ |
n*******d
发帖数: 600 | 2 ITIN明确只能用于报税。
上搜了搜，看网上众说纷纭，所以干脆自己试验了一下：
【在 m*****a 的大作中提到】
: 老婆刚拿到ITIN，考虑build credit for a long run，想给她开个credit card。网上搜了搜，看网上众说纷纭，所以干脆自己试验了一下：
: (1) Amazon Chase: Pending
: 动机：
: 申这个是因为这个申请上明确说可以使用ITIN. Quote:
: “Requirements: You must be a U.S. Resident, have a U.S. Social Security
: number (SSN) or U.S. Individual Taxpayer Identification Number (ITIN), and
: be at least 18 years old (19 in AL and NE).”
: http://www.amazon.com/gp/help/customer/display.html?ie=UTF8&nod
: 结果：Pending
: "Thank you for applying for the Amazon.com Rewards Visa Card.
|
c******4
发帖数: 2207 | 3 关键问题在于:"刚拿到"...
记录都没上去的,和没有是一样的
上搜了搜，看网上众说纷纭，所以干脆自己试验了一下：
【在 m*****a 的大作中提到】
: 老婆刚拿到ITIN，考虑build credit for a long run，想给她开个credit card。网上搜了搜，看网上众说纷纭，所以干脆自己试验了一下：
: (1) Amazon Chase: Pending
: 动机：
: 申这个是因为这个申请上明确说可以使用ITIN. Quote:
: “Requirements: You must be a U.S. Resident, have a U.S. Social Security
: number (SSN) or U.S. Individual Taxpayer Identification Number (ITIN), and
: be at least 18 years old (19 in AL and NE).”
: http://www.amazon.com/gp/help/customer/display.html?ie=UTF8&nod
: 结果：Pending
: "Thank you for applying for the Amazon.com Rewards Visa Card.
|
b******s
发帖数: 695 | |
b****n
发帖数: 2780 | |
w********o
发帖数: 10088 | 6 ssn都没有，怎么hard pull？
【在 b******s 的大作中提到】
: 浪费了几个hard pull
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z******6
发帖数: 2638 | 7 pull是根据姓名和出生年月日,没有ssn照样hard
【在 w********o 的大作中提到】
: ssn都没有，怎么hard pull？
|
u******n
发帖数: 1243 | 8 到citibank存5000（这就是你的信用额，越多越好）开个secure credit card。用一年
后，它就寄回一张5000支票给你，你的卡也转正成credit card，你就可以每几个月就
上网申请增加你的信用额，很快就到50000了，但你的Cash Advances 只有5000，所以
说开始存越多越好。 |
m*****a
发帖数: 2609 | 9 非常感谢，我周末去试试，未来报告。
【在 u******n 的大作中提到】
: 到citibank存5000（这就是你的信用额，越多越好）开个secure credit card。用一年
: 后，它就寄回一张5000支票给你，你的卡也转正成credit card，你就可以每几个月就
: 上网申请增加你的信用额，很快就到50000了，但你的Cash Advances 只有5000，所以
: 说开始存越多越好。
|
u******n
发帖数: 1243 | 10
更正：用一年半（18 months） 后，它就寄回一张（5000+一年定存利息）支票给你，
你的卡也转正成credit card（unsecured Citi card）
5000当是一年定存计利息给你，不过很低。
网上填再打印出来，打印出来再填，（Signature，打印出来再填），连5000大元check
或money order，ITIN，ID，护照，最新银行信或家庭电话信复印件寄去。获批后，有
一张表寄你的签名去。
不知道这个还行不行，如果不行，它会退回给你。
https://www.citicards.com/cards/wv/pdf/SecuredCard_pdf_App_ENG.pdf
Be aware that the app is only accepted through snail mail
•20 day grace period
•Deposit an amount, from $200 to $5,000 into a CD (Certificate of
Deposit)
•Your credit card limit then becomes equal to the amount of money in
your CD
•After 18 months you could become elgible for an unsecured Citi card
Citi Secured Credit Card Review
What are the fees?
The Citi secured card application lists the annual fee as being $29. I don’
t see mentions of any other fees besides that.
What’s the interest rate?
The application lists 18.24% for purchases, 25.24% for cash advances, and 29
.99% for the penalty APR when it applies. Those were the interest rates as
of Feb. 2011.
How does it work?
•You include a check or money order for an amount between $200 and $5
,000 with your Citibank secured credit card application. That amount becomes
your security deposit. You will be billed for your annual fee at a later
time.
•Your security will be put into a Certificate of Deposit (CD). The
credit limit on your Citi secured credit card will be up to the amount of
money that’s in this CD.
•There is a grace period of at least 23 days after your credit card
billing cycle closes. If you pay your entire balance in full before that
time, you will not be charged any interest.
•After having and using the Citi secured MasterCard for 18 months,
you “may become eligible” for an unsecured Citi Platinum MasterCard.
Who can apply?
The application for the Citi secured credit card says you have to be at
least 18 years of age and be a U.S. citizen or a resident alien. Either way,
you will need to provide a copy of your government-issued photo ID (non-US
citizens must provide either a copy of their passport or Mexican consular ID
).
In order to apply you will also need to prove your address. If you are a U.S
. citizen your driver’s license or passport will work. However if you are
non-US citizen you need to provide a copy of your recent utility bill, bank
account statement, or phone bill (cell phones don’t count).
How can you apply?
You will either need to go to a local Citibank branch and bring all the
required things – or – you can download the Citibank secured credit card
application on their website and mail it in with your payment and document
copies.
Verdict?
Credit Card Forum advertises some Citi credit cards, but we don’t advertise
this one. Regardless, I still think it’s a good choice for a secured
credit card. The annual fee for the Citi secured MasterCard is pretty
reasonable and the requirements are fairly standard.
【在 m*****a 的大作中提到】
: 非常感谢，我周末去试试，未来报告。
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m*****a
发帖数: 2609 | 11 I guess you are talking about your real experience, right? Really appreciate it!~ I will do as you suggested.
Here is similar card at BOA. But BOA generally offers less attractive credit
cards. So I favor to build credit with citi or, even better, chase for her.
https://www.bankofamerica.com/credit-cards/products/secured-credit-card.go
I will update later about the possible progress on Chase Amazon and AMEX
Hilton. I sent out those materials to AMEX. Let's wait and see.
check
【在 u******n 的大作中提到】
:
: 更正：用一年半（18 months） 后，它就寄回一张（5000+一年定存利息）支票给你，
: 你的卡也转正成credit card（unsecured Citi card）
: 5000当是一年定存计利息给你，不过很低。
: 网上填再打印出来，打印出来再填，（Signature，打印出来再填），连5000大元check
: 或money order，ITIN，ID，护照，最新银行信或家庭电话信复印件寄去。获批后，有
: 一张表寄你的签名去。
: 不知道这个还行不行，如果不行，它会退回给你。
: https://www.citicards.com/cards/wv/pdf/SecuredCard_pdf_App_ENG.pdf
: Be aware that the app is only accepted through snail mail
|
P*******L
发帖数: 2637 | 12 真的？姓名拼音相同且同一天出生的老中不要太多啊。
【在 z******6 的大作中提到】
: pull是根据姓名和出生年月日,没有ssn照样hard
|
h********g
发帖数: 461 | 13 然后地址还要一样也很多么，过往地址都会记录的
【在 P*******L 的大作中提到】
: 真的？姓名拼音相同且同一天出生的老中不要太多啊。
|
b**********e
发帖数: 126 | 14 胆子真大。拿到ITIN number的信封上明明大字写着用ITIN做私人用途penalty300刀以
上。
上搜了搜，看网上众说纷纭，所以干脆自己试验了一下：
【在 m*****a 的大作中提到】
: 老婆刚拿到ITIN，考虑build credit for a long run，想给她开个credit card。网上搜了搜，看网上众说纷纭，所以干脆自己试验了一下：
: (1) Amazon Chase: Pending
: 动机：
: 申这个是因为这个申请上明确说可以使用ITIN. Quote:
: “Requirements: You must be a U.S. Resident, have a U.S. Social Security
: number (SSN) or U.S. Individual Taxpayer Identification Number (ITIN), and
: be at least 18 years old (19 in AL and NE).”
: http://www.amazon.com/gp/help/customer/display.html?ie=UTF8&nod
: 结果：Pending
: "Thank you for applying for the Amazon.com Rewards Visa Card.
|
f**u
发帖数: 2769 | 15 你说的那个提示是信封被工作人员用于私人用途罚款300元……
【在 b**********e 的大作中提到】
: 胆子真大。拿到ITIN number的信封上明明大字写着用ITIN做私人用途penalty300刀以
: 上。
:
: 上搜了搜，看网上众说纷纭，所以干脆自己试验了一下：
|
b**********e
发帖数: 126 | 16 那个也是说自己不能用它来做别的用途。不信你打电话问问。 |
f**u
发帖数: 2769 | 17 但“罚款300元”肯定不是针对将ITIN用于报税以外用途的。这个信封提示在很多政府
信件的信封上都有。
【在 b**********e 的大作中提到】
: 那个也是说自己不能用它来做别的用途。不信你打电话问问。
|
p******i
发帖数: 1763 | 18 可以去kohls开kohls charge，ITIN works
不过貌似只能用在kohls，但也许能帮你攒点信用记录 |
m*****a
发帖数: 2609 | 19 Re...那个是说不允许别人乱动这封信的。。。
【在 f**u 的大作中提到】
: 你说的那个提示是信封被工作人员用于私人用途罚款300元……
|
c*********7
发帖数: 19373 | 20 那位给写个总结，ITIN可以申请那些信用卡，Chase,Citi,BOA,Amex,Discover,
department credit card, capital one, etc.能否用来开checking。 |
|
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F*****1
发帖数: 779 | 21 Chase online should not work. |
w********o
发帖数: 10088 | 22 这样不怕撞车么？姓名拼音一样，生日一样的
【在 z******6 的大作中提到】
: pull是根据姓名和出生年月日,没有ssn照样hard
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u******n
发帖数: 1243 | 23 帮几个新人做过，但已是几年前的，以前好像还要填收入和雇主资料，现在不用？以前
申请表有几张卡让你挑，现在没了。
appreciate it!~ I will do as you suggested.
credit
her.
【在 m*****a 的大作中提到】
: I guess you are talking about your real experience, right? Really appreciate it!~ I will do as you suggested.
: Here is similar card at BOA. But BOA generally offers less attractive credit
: cards. So I favor to build credit with citi or, even better, chase for her.
: https://www.bankofamerica.com/credit-cards/products/secured-credit-card.go
: I will update later about the possible progress on Chase Amazon and AMEX
: Hilton. I sent out those materials to AMEX. Let's wait and see.
:
: check
|
m*****a
发帖数: 2609 | 24 首贴更新了！
嘛）
with ITIN(co-signer?)，被告知会报告给三大局；
上已经显示“BankAmericard Platinum Plus Visa”了，总算有一张卡了：）。确认一
下背景：刚拿到ITIN不到两周，在BOA有checking和saving两个月了。不过这个卡缺点
是即使未来变成unsecured card，那个annual fee还是carry over(即使convert成本来
没annual fee的type），网上看似乎除了靠运气，基本不能waive掉，只能两年后关了
它，再开一个regular cc了。
上搜了搜，看网上众说纷纭，所以干脆自己试验了一下：
【在 m*****a 的大作中提到】
: Re...那个是说不允许别人乱动这封信的。。。
|
