Can I Get a Credit Card as an F-1 Visa Holder?

Getting a credit card can be more challenging for F-1 students, especially without an SSN. However, some banks offer student credit cards or secured credit cards to help build your credit history.

Can I apply for a credit card without an SSN?

Yes, some financial institutions allow students to apply for a credit card without an SSN. Many credit card companies will accept an Individual Taxpayer Identification Number (ITIN) instead of an SSN, especially for international students. However, having an SSN can make the application process easier and help you build credit in the U.S.

What should I do if I am denied a credit card due to a lack of credit history?

If you are denied a credit card because you do not have a credit history, you can:Apply for a secured credit card, which requires a cash deposit.Consider student credit cards, which often have lower credit requirements.Become an authorized user on someone else's credit card to help build your history.

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

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 of