Address issues, Only have a PO BOX no address.

[Anonymous]

So,  I'm having an issue when applying for credit cards.    My home doesn’t have a physical address. I live in a guest house and the physical address is to the main house full of people I don't know. I'm not even sure if they speak English. It’s a house of like 8 college age foreign people.    Anyway most cc apps do not allow a PO Box as an address.   Is their anyway to get around this?  Should I put the address of the post office and then my box number as unit or something?

[JoshuaHolySpirit]

You should take note of your street address.

Who collects your/the mails at your guest house?.

You have to inform the person incharge to give your mails to you. What were your arrangements until now?

Do you rent (have rental agreement) or is this place a temporary thing?

Talk to your landlord about the foreign students/your situation if they are not helping you with the mails.

You must get things in order before you go into liabilities like credit cards. Take care-!!!!

[Anonymous]

I have lived here 2 years. The post office is only 1/4 mile from my house on a county road so its very close.   I've always had a P O Box.  No mailbox at my house at all, like on the property.  As far as the post office is concerned my house dose not exist.   When I moved in the landlord told me I would have to use a PO BOX.      

[JoshuaHolySpirit]

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@Anonymous wrote:

I have lived here 2 years. The post office is only 1/4 mile from my house on a county road so its very close.   I've always had a P O Box.  No mailbox at my house at all, like on the property.  As far as the post office is concerned my house dose not exist.   When I moved in the landlord told me I would have to use a PO BOX.      

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Are you able to verify your address with USPS? (system)

You can try with that address & apply for CC's.

Ask your Post Office for your regular address (not your P O BOX) or have them furnish you with one.

You can discuss this problem with the USPS & they may be able to help you.

(i-e: what address you put on the change of address form when you moved in)

All the best-!!!

[Anomalous]

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@Anonymous wrote:

I have lived here 2 years. The post office is only 1/4 mile from my house on a county road so its very close.   I've always had a P O Box.  No mailbox at my house at all, like on the property.  As far as the post office is concerned my house dose not exist.   When I moved in the landlord told me I would have to use a PO BOX.      

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Unless you live in a very remote area of the country, there has to be a physical street, road or rural route address. Especially for 911 emergency services. Does the landlord pay property taxes? The address would be on there.

[Gunnar419]

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@Anonymous wrote:

So,  I'm having an issue when applying for credit cards.    My home doesn’t have a physical address. I live in a guest house and the physical address is to the main house full of people I don't know. I'm not even sure if they speak English. It’s a house of like 8 college age foreign people.    Anyway most cc apps do not allow a PO Box as an address.   Is their anyway to get around this?  Should I put the address of the post office and then my box number as unit or something?

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I have a similar situation, but without the foreign college students! You can put both your street address and the PO box address on your apps, then specify that your card and any mail be send to the PO addy.

The lack of a "good" street address may mean you have to call in for verifications and will never get instant approvals, but otherwise I've found it's harmless.

You probably should make some sort of accommodation with the people in the main house, just so that they'd know to give your mail to you if something does get sent there, or possibly the PO could assign a different address to the guest house (123A Smith Street vs 123 Smith Street). In a small town sometimes they can be helpful about these situations where a larger PO would just go bureaucratic on you. Otherwise, just try what I suggest above and you should be fine.

[Anonymous]

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@Anonymous wrote:

So,  I'm having an issue when applying for credit cards.    My home doesn’t have a physical address. I live in a guest house and the physical address is to the main house full of people I don't know. I'm not even sure if they speak English. It’s a house of like 8 college age foreign people.    Anyway most cc apps do not allow a PO Box as an address.   Is their anyway to get around this?  Should I put the address of the post office and then my box number as unit or something?

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You should check with the post office and see if they can provide you with an address to use. I have been getting notices in my PO Box for the last couple of years that pretty much says they have a way to accept packages/mail for you that needs a physical address adn they give you a notification through your PO box. I think it's called everyday delivery or something like that.

[Creditaddict]

I feel like apps these days ask if you have a different "Mailing Address" than Physical address and should be no issue, especially if your credit report shows the PO box as a verified address for you it won't even raise a flag I bet.

[Callandra]

Just out of curiosity, is that PO Box address on your driver's license/state ID? Also, what address is on your credit reports? If the PO Box is on your reports, you shouldn't have trouble using it for CC apps. 

[Anonymous]

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@Callandra wrote:

Just out of curiosity, is that PO Box address on your driver's license/state ID? Also, what address is on your credit reports? If the PO Box is on your reports, you shouldn't have trouble using it for CC apps. 

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You're not allowed, per the Patriot Act, to use PO Boxes on credit applications.  Been that way since just after 9/11