How to apply for US credit card - guide for non-resident

Hello everyone,
[Updated guide: How to Get Your First US Amex Credit Card—No SSN or ITIN Required! - https://www.technofino.in/community...ex-credit-card—no-ssn-or-itin-required.34257/ ]

In this post, I'll tell you about - how to apply for US credit cards without US credit history.
If you are planing to move to USA for educational purposes or any other reason, you may get a credit card this way.
To apply for US credit card, you need-
1. US Address
2. US Bank Account
3. Need Indian Passport
4. US Phone No

5. SSN/ITIN (you can apply for ITIN, if you are ready to pay 300/400$ fees. - SSN/ITIN not required for AMEX credit cards)

Getting US credit cards without US credit history is not that easy, but wait... you can apply for US Amex credit card without US credit history or SSN/ITIN number, using your Indian Credit History.
So... How to apply for US Amex Credit Card Using Indian Credit History?

1. Make sure you have a physical US address & US Mobile no.

Now,
2. Go to this link- Nova Credit [Click Here] (Use This Link & Get $25 Amazon GV After Card Approval)
3. Select India (I recently moved from drop down menu) & Enter your email ID (to receive 50$ amazon GV after card approval, for using our link)


4. On the next page, select any Amex credit card you want to apply for & click on "Apply Now"

5. On the next page, click on "Got it, take me to American Express"

6. You'll be redirected to Amex official website, on that page click on "Apply Now"

7. On the next page, enter your details, your income and tick the box- "I don't have a credit history in the US, but have had a credit card or loan in Australia, Brazil, Canada, the Dominican Republic, India, Kenya, Mexico, Nigeria or the United Kingdom. (If you have a Social Security Number, please enter it below.)"

8. On the next page, Amex will ask you to provide them access to your home country's credit history.
Select India from the list.

9. Enter your details & click on Next
10. Now enter your Indian mobile no and click on Next

11. Enter your Indian address and click on Next
12. Now Enter your PAN Card no and click on Next
13. Now Enter your email ID and click on next
14. On the next page, tick both box and click on agree

15. You will see a page like this- "Good news! We located a matching record at Transunion CIBIL"
click on Next

16. They might ask you some questions, answer them and click on "Transfer my credit history to the U.S."
17. On the next page, Amex will ask you for your ID proof, Select Passport & enter your Indian passport details.


Done!
Now Amex might ask you for additional documents or they might approve your application instantly.
If they ask you to call them, you have to call them to review your application.
Good Luck 🤞

 

[swetank]

Have you tried Zolve @TechnoFino ?

 

[Ankur dhanda]

Yes, I logged in with my Amex India credentials. I too have Utopia and I am apprehensive about it too but Its worth a try. I am trying to open a traditional Bank account via HSBC India where I have a premier account and as a benefit they allow you to open accounts in other countries.

Were you able to open your hsbc us account using your Indian hsbc premier account?

 

[TechDrifter]

Were you able to open your hsbc us account using your Indian hsbc premier account?

Yes, if you have a HSBC premier account, speak to your RM, they'll do the rest.

 

[Ankur dhanda]

Yes, if you have a HSBC premier account, speak to your RM, they'll do the rest.

I have premier account based on mortgage.
When I asked about opening premier account in USA he said maintain balance of 40L here then we’ll be able to process.
I although couldn’t find any documentation of this.
Also Your US account has Indian address or US address?
And they opened a zero balance checking account for you?

 

[TechDrifter]

I have premier account based on mortgage.
When I asked about opening premier account in USA he said maintain balance of 40L here then we’ll be able to process.
I although couldn’t find any documentation of this.
Also Your US account has Indian address or US address?
And they opened a zero balance checking account for you?

Hmm. That's weird. You can also try directly applying on the US HSBC website and quote your existing premier status..
Yes, I dont need to maintain any balance there as long as I maintain my premier status in India. I have my India address on my US account.

 

[manish.rdy]

I recently moved to us and applied using the same process. They called me shiny to produce address proof and uploaded my rental agreement. Post that i received a mail with the application decision.

In order to view the decision, we need SSN number along with zip code. It's there anyway that i can know the application status without SSN ?

 

[miles_guy]

I recently moved to us and applied using the same process. They called me shiny to produce address proof and uploaded my rental agreement. Post that i received a mail with the application decision.

In order to view the decision, we need SSN number along with zip code. It's there anyway that i can know the application status without SSN ?

Just call them. They will tell you there

 

[miles_guy]

I'd like to share my experience of getting an Amex US Green card approved in less than 24 hours and dispatched. (No Address Proof Required).
PS : I am an existing Amex Platinum Charge holder in India.

1. Start with the Nova Credit application.
2. when you get redirected to the Amex page. Login with your existing Amex credentials.
3. Provide your US Phone number and an US address (I gave a friend's address)
4. When prompted say yes to transfer credit history from your home country.
5. Complete the submission.

I got a call from Amex team on my US number to verify my address and then confirmed the card is approved and will be dispatching it in few hours ( June 6th) .
Card is now about to get delivered today June 7th.

I'll pick it up when I go to US next month.

Hope this helps.

I did exactly the same, but they asked for address proof...

 

[TechDrifter]

I did exactly the same, but they asked for address proof...

That's weird, I wonder why different process for different people.

 

[Ankur dhanda]

You also have platinum charge card?

I did exactly the same, but they asked for address proof...

 

[miles_guy]

You also have platinum charge card?

No, I have MRCC.

 

[manish.rdy]

Just call them. They will tell you there

Thanks, card approved.

 

[emadiqbalali]

Hello everyone,
In this post, I'll tell you about - how to apply for US credit cards without US credit history.
If you are planing to move to USA for educational purposes or any other reason, you may get a credit card this way.
To apply for US credit card, you need-
1. US Address
2. US Bank Account
3. Need Indian Passport
4. US Phone No

5. SSN/ITIN (you can apply for ITIN, if you are ready to pay 300/400$ fees. - SSN/ITIN not required for AMEX credit cards)

Getting US credit cards without US credit history is not that easy, but wait... you can apply for US Amex credit card without US credit history or SSN/ITIN number, using your Indian Credit History.
So... How to apply for US Amex Credit Card Using Indian Credit History?

1. Make sure you have a physical US address & US Mobile no.

Now,
2. Go to this link- Nova Credit [Click Here] (Use This Link & Get $50 Amazon GV After Card Approval)
3. Select India (I recently moved from drop down menu) & Enter your email ID (to receive 50$ amazon GV after card approval, for using our link)

View attachment 134
4. On the next page, select any Amex credit card you want to apply for & click on "Apply Now"
View attachment 136
5. On the next page, click on "Got it, take me to American Express"
View attachment 137
6. You'll be redirected to Amex official website, on that page click on "Apply Now"
View attachment 138
7. On the next page, enter your details, your income and tick the box- "I don't have a credit history in the US, but have had a credit card or loan in Australia, Brazil, Canada, the Dominican Republic, India, Kenya, Mexico, Nigeria or the United Kingdom. (If you have a Social Security Number, please enter it below.)"
View attachment 139
8. On the next page, Amex will ask you to provide them access to your home country's credit history.
Select India from the list.
View attachment 145
9. Enter your details & click on Next
10. Now enter your Indian mobile no and click on Next
View attachment 146
11. Enter your Indian address and click on Next
12. Now Enter your PAN Card no and click on Next
13. Now Enter your email ID and click on next
14. On the next page, tick both box and click on agree
View attachment 147
15. You will see a page like this- "Good news! We located a matching record at Transunion CIBIL"
click on Next
View attachment 148
16. They might ask you some questions, answer them and click on "Transfer my credit history to the U.S."
17. On the next page, Amex will ask you for your ID proof, Select Passport & enter your Indian passport details.
View attachment 149

Done!
Now Amex might ask you for additional documents or they might approve your application instantly.
If they ask you to call them, you have to call them to review your application.
Good Luck 🤞

Finally got my Amex Blue Cash Everyday approved. Thank you so much @TechnoFino for the amazing guide and keep doing this good work. 😍

 

[typhoon]

Finally got my Amex Blue Cash Everyday approved. Thank you so much @TechnoFino for the amazing guide and keep doing this good work. 😍

Which bank account did you opened?

 

[emadiqbalali]

Which bank account did you opened?

I don't have the US bank account. My brother will pay the bill on my behalf as he is in US. Since Aeldra is closed, there is no alternative providing the US bank account, Utoppia is also on waiting list.

 

[miles_guy]

I don't have the US bank account. My brother will pay the bill on my behalf as he is in US. Since Aeldra is closed, there is no alternative providing the US bank account, Utoppia is also on waiting list.

What did you do for address proof?

 

[moneyMaker]

address proof

You can use google fi.

 

[moneyMaker]

bank account

Can try Transferwise.

 

[emadiqbalali]

What did you do for address proof?

Got local internet connection which my brother uses on my name. That worked.

 

[emadiqbalali]

Can try Transferwise.

Wise do create an account and shows USD, however, they stopped providing the USD account details. That's no use now. 🙂