1. Choose department store shopping credit cards that are easier to apply for to build personal credit

General department stores encourage applications by giving gifts from time to time during promotions. Although this type of card can only be used in the department store, it is used to stimulate consumption when the department store industry is in recession, and because its credit limit is not as high as that of ordinary credit cards, the review is wider and it is easier to obtain it. A credit card is a way to build a personal credit record. Once credit is established, you must maintain a good credit record and use this card as a springboard to apply for other credit cards in the future.

2. Open a bank account and apply for a credit card

In major cities in the United States, there are many banks with a wide range of businesses. In addition, banks attach great importance to new immigrants and student consumer groups and encourage them to open accounts and deposit in the bank, so the credit limit will not be very high all at once. But this is a good opportunity for new immigrants and students with no credit history to get a credit card. It is best for new immigrants and international students to take the initiative to contact local banks to avoid missing out easily.

Many banks may require people who have not established credit to deposit money as collateral. Generally, depositing $2,000 can give you a credit limit of $1,000. Some banks may have a lower limit. For example, Bank of Montreal (BMO) only needs to deposit 125 of your credit card limit. If you get your first credit card and use it regularly, if you get a job six months to a year later, you will be successful in applying for any card.

3. Student-specific application forms

The student credit card market is receiving increasing attention, so you can often see a variety of application forms specifically for students on school bulletin boards. The book often requires that the application be accompanied by a student ID card, registration certificate or tuition bill, etc. Some also require the school registration team to stamp it to show that the student's identity is correct. Since there is relative proof of school or student identity, it is easier to obtain approval.

4. Find a cosigner to assist in the application

Those who cannot apply for credit due to lack of credit information or insufficient income , it is best to use an application form with the signature of the *** co-signer, and the *** co-signer is preferably a relative or friend with a good credit record, the purpose of which is to provide guarantee

Responsibilities when you are unable to pay. Credit card companies are more willing to issue cards to such applicants without the fear of insufficient payment. After credit is established, try to apply independently to establish personal credit without guarantee.

5. Use mailbox information

Once a personal credit record is established, the credit card application form will even be sent to your mailbox. Most of these application forms boast prior approval. However, individuals can weigh their own needs and the aforementioned factors to decide whether to apply and fill in the details. There are very few cases of rejection.