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 🤞

 

[seekndestroy99]

They asked me for US tax return 😭

So it didn't go through at the end?

 

[shubhank008]

Just tried applying for the $0 Blue card, it asked SSN/ITIN or another government ID, selected passport and provided Indian passport
Provided a US phone number and address, upon continuing it auto-declined the application, dunno due to which reason/factor

PS: Nova takes to Amex website which asks to login, so logged in using Indian Amex acc (which it accepted to auto-fill my details)

 

[manish.rdy]

Just tried applying for the $0 Blue card, it asked SSN/ITIN or another government ID, selected passport and provided Indian passport
Provided a US phone number and address, upon continuing it auto-declined the application, dunno due to which reason/factor

PS: Nova takes to Amex website which asks to login, so logged in using Indian Amex acc (which it accepted to auto-fill my details)

Try this method instead, when I first applied using Nova, it got rejected. Later approved for 2 cards using this approach.

1. Login to amex us with your Indian account.
2. From the navigation bar, select cards -> personal cards -> select your card.
3. In the application page, you will get a pop up, for auto fetching of your account history. Press continue or yes there.
4. Fill passport details.
5. At decision page, you will get a phone no asking to call them.

 

[shubhank008]

Try this method instead, when I first applied using Nova, it got rejected. Later approved for 2 cards using this approach.

1. Login to amex us with your Indian account.
2. From the navigation bar, select cards -> personal cards -> select your card.
3. In the application page, you will get a pop up, for auto fetching of your account history. Press continue or yes there.
4. Fill passport details.
5. At decision page, you will get a phone no asking to call them.

What did you use as US address proof or other documents ? And no ITIN ?

 

[manish.rdy]

What did you use as US address proof or other documents ? And no ITIN ?

Us address proof. I don't have ITIN or SSN.

 

[moonsmart]

Us address proof. I don't have ITIN or SSN.

Did you use mail forwarding service's address for US address to receive the mail?

 

[manish.rdy]

Did you use mail forwarding service's address for US address to receive the mail?

Have a physical address.

 

[moneyMaker]

Have a physical address

This is the only way 😉

 

[Aarav.]

@manish.rdy
Please dm me.

 

[indcreditcard]

@manish.rdy confused here, help a bit. a friend's address would work? what about the address proof in this case?

 

[Deleted member 28936]

I didn't went through the thread but if you are new in US and have a new SSN, you can apply for Discover it cashback card and you will be approved instantly with 2k limit.

 

[PRIYANSHU_]

What to do?
P.S - I didn't have Amex CC in India also.

 

[miles_guy]

View attachment 65383
What to do?
P.S - I didn't have Amex CC in India also.

You need an Indian Amex CC with atleast 3 months of credit history

 

[moneyMaker]

You need an Indian Amex CC with atleast 3 months of credit history

how much credit limit people be getting , is it dependent on Indian limit?

 

[miles_guy]

Some got 2k...

 

[Lorddiesel]

that's why you need a bank account in the USA

Be aware, recently many US based banks are closing bank accounts for Non-US residents.

 

[Lorddiesel]

If you fall under the purview of LRS it will.

LRS is for Indian Residents , not for NRIs

 

[PaneerButterMasala]

Try this method instead, when I first applied using Nova, it got rejected. Later approved for 2 cards using this approach.

1. Login to amex us with your Indian account.
2. From the navigation bar, select cards -> personal cards -> select your card.
3. In the application page, you will get a pop up, for auto fetching of your account history. Press continue or yes there.
4. Fill passport details.
5. At decision page, you will get a phone no asking to call them.

Which one is a good card to start with?

 

[manish.rdy]

Which one is a good card to start with?

Go with Blue Cash Everyday.

 

[miles_guy]

Which one is a good card to start with?

Also amex hilton