How can I build credit as an international student with an SSN?

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Mine Gur

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To build credit, you can:


  • Apply for a student credit card.
  • Get a secured credit card (backed by a cash deposit).
  • Become an authorized user on someone else’s credit card (such as a family member).
  • Apply for a credit-builder loan or any small loan if available to students.


By using credit responsibly—such as paying off your balance in full and on time—you will gradually build a positive credit history.


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