International students that go to United States for studies always need a credit card. But it is a quite difficult procedure to get the secured credit card without ssn from Home security department, but not impossible. The best way to get the secured credit card faster is to apply for the credit card from your home country, so may you get the approval earlier.
After acceptance all best banks across the globe will provide you the Master cards, Visa credit card or American Express card, these cards can be utilized by the students during their studies.
If you want to stay in United States after studies and then you apply for the credit card you have to submit the application form. The main thing in that form is SSN. Actually stands for Social Security Number. It is 9 digit code assigned authorized people’s.
The SSN is only provided to authorize citizens of United States. The SSN is a type of work permits for the citizens. If you steal the SSN of another and get caught then you will definitely go to jail. If you don’t have social security number and you want the secure credit card then following are the steps that lead you to your very own secured credit card:
Step-1 Apply for an Individual Taxpayer Identification Number (ITIN):
As I mentioned earlier if you don’t have SSN, there is a way to get the secured credit card. The way is to apply for Individual Taxpayer Identification Number (ITIN). It is tax-refine ID sequence provided to the citizen by Internal Revenue Service (IRS).
IRS is the last option for to get secured credit card. Most of the banks accept the ITIN in case you don’t have credit card without SSN. Following are ways to apply for ITIN:
- You can apply for ITIN through mail.
- You can also contact to the authorized- IRS agent for ITIN.
- Or simply to go the nearby taxpayer center.
You can get ITIN easily. The ITIN is given to you after 7 weeks of form submission. The only condition in ITIN is that you provide the appropriate documents and information. If you don’t do so you might disqualify for ITIN.
Step-2 Enlist the banks that accept ITIN or alternative identification option:
After you apply for the ITIN your next goal is to enlist all the banks that accept the ITIN or alternative identification method. Most banks just accept the credit card without SSN but few banks also accept ITIN or other options. Following are the banks that accept ITIN or other options:
This bank accepts an ITIN, foreign passport or any other identification card issued by a government.
Bank of America:
This bank also accepts an ITIN, foreign passport or any other identification card issued by the government. But require SSN for online application.
This bank accepts an ITIN, foreign passport national ID- card or any other identification card issued by the government. But the only condition is the person must apply in Citi bank.
Capital one accepts ITIN or SSN.
Self Score Classic master cards:
This is the best bank for those who don’t have ITIN or SSN at that moment. But just in the case that you already applied for ITIN. This bank just requires your passport, Student visa.
Step-3 Check your credit:
After these 2 steps make sure that your credit report is stable. To make it secure and stable you have to provide proper and appropriate information. If you provide wrong information, this will impact your application form.
Step-4 Apply for the credit card:
After all the above steps you are good to go for secured credit card. When you get the ITIN apply for the credit card. You have to wait 3-4 weeks for the card.