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Applying for a Credit Card without SSN

Deuter
Regular Contributor

Re: Applying for a Credit Card without SSN


@rbentley wrote:
I stand by my comment that he has no chance on that particularr AmEx card with no SSN and only 2 months of credit history.  I don't doubt that you got a Citi Prestige card but I am willing to bet you had much more than two months of history at the time.  True?

I have had 10 months with my the first card i got that was the AA. AFTER i had the AA for 10 months is that i decided to give it a try for the higher end card that is the Prestige. I know there was a risk as i have read that you usually need 1 year with a card at Citi to apply for the higher end ones, but i was in the USA Now. And as i can only apply in-person, in branch.. i couldn't wait until month 13, so i took a risk.

 

I don't know what is my true history, shall i say i started in May 2018 or Nov 2018?

This card that i first got started giving me a FICO score in November 2018. 

 

But it's True. You're right.... i didn't read the card this fellow was applying to.... its the Bonvoy... it's kinda high end... and if you ask me specifically with 2 months ... I don't think that they are going to approve.

Message 11 of 16
jxh5760
Regular Contributor

Re: Applying for a Credit Card without SSN

Well, I guess it is settled then, no chance.

He’s 22.

Canadian Credit Cards
Message 12 of 16
s3329
Established Member

Re: Applying for a Credit Card without SSN

Hold up. Why do you have your ROOMMATE as an AU on your account? He/ she can max out your CL and not be held liable for a single cent.
Message 13 of 16
My_Credit_Journey2016
Valued Member

Re: Applying for a Credit Card without SSN

Without an SSN, how can they pull your credit history? I am curious about that.

Mar 2019 FICO 8: TR 781 / Ex 770 / EQ 772
AMEX BCD $10k - Amex Blue Delta $3k - Cash magnet $20k- Amex Everyday $5k -Discover $9k & $6.5k
Paypal Extras $10k - Uber Visa $5k - Amazon store $4.5k- Celtic bank $3.5k
Amex Gold -USBANK Cash+ $500 -Cap1 QuickSilver $500 (closed)
AAoA: 11 months - AoA 29 months - Uti ~1%
Message 14 of 16
SBR249
Established Contributor

Re: Applying for a Credit Card without SSN


@My_Credit_Journey2016 wrote:

Without an SSN, how can they pull your credit history? I am curious about that.


Your SSN isn't the only identifier on your CR. It happens to be a very convenient unique identifier (though they are not supposed to use it as such) but your CR can be pulled using a variety of info combinations like name/address/DOB etc. 

Message 15 of 16
Five6Two
Frequent Contributor

Re: Applying for a Credit Card without SSN


@s3329 wrote:
Hold up. Why do you have your ROOMMATE as an AU on your account? He/ she can max out your CL and not be held liable for a single cent.

+1 THIS...unless OP added as AU but did not give him the actual card or virtual number...

Siggy under construction Smiley Happy
Message 16 of 16
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