No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Hey Guys,
I'm Matt from Atlanta GA, i moved here last year from England. I got a SSN in February this year and was made Permanent Resident in March. I got my first line of credit in June from my Bank, Bank of America a secured $99 deposit $500 limit card.
I'm looking to add to my cards and i'm looking for advice on what my next steps should be, what do you guys think i should be appying for? Credit Karma say my score is 725 and Experian said my score is 736. I've only had 2 statements since getting my card but both were paid on time carrying less than 30% utilization but my average length of credit is only 0.17years.
Thank you in advance
Matt
@Guvnor wrote:Hey Guys,
I'm Matt from Atlanta GA, i moved here last year from England. I got a SSN in February this year and was made Permanent Resident in March. I got my first line of credit in June from my Bank, Bank of America a secured $99 deposit $500 limit card.
I'm looking to add to my cards and i'm looking for advice on what my next steps should be, what do you guys think i should be appying for? Credit Karma say my score is 725 and Experian said my score is 736. I've only had 2 statements since getting my card but both were paid on time carrying less than 30% utilization but my average length of credit is only 0.17years.
Thank you in advance
Matt
Did you have an American Express card in the UK? If so, you can use their Global Transfer program. Otherwise, probably have to start as you are, with secured cards for a while.
Or try Capital One for Newcomers card. It has a huge APR, but is otherwise OK. Though it was "designed" for this sort of situation, I'm not sure how easy it is to get with a very short history.
Which one though? I looked on their site and i read it as i have Average Credit in their eyes due to my account being less than 3 years old. I like the look of the QuicksilverOne Card.
Matt
No i have never had Amex, i had a HSBC CC.
I had years of bad credit in UK and i really dont want to make the same mistake here as i have a family now.
Ok i just applied and got accepted for the Capital One QuicksilverOne Card. Very Happy even though its not a huge limit.
Congrats on the new TL!