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 🤞

 

[Sinder Pal]

yea... us bank statement can be your address proof.

Sir can we get add-on cards for our family members issued without SSN/ITIN. Friend says, they need SSN/ITIN for add-on and if we don't provide this they will cancel the add-on card within 60 days? Is this correct information ?

 

[Sinder Pal]

How did you request for your card to be sent over to India? Are there any other banks that provide this service and are there any Indian banks that do this ?

 

[TechnoFinoTechnoFino is verified member.]

Sir can we get add-on cards for our family members issued without SSN/ITIN. Friend says, they need SSN/ITIN for add-on and if we don't provide this they will cancel the add-on card within 60 days? Is this correct information ?

SSN/ITIN not necessary for add on

 

[TechnoFinoTechnoFino is verified member.]

How did you request for your card to be sent over to India? Are there any other banks that provide this service and are there any Indian banks that do this ?

Card get delivered to my US address, I arrange shipping from us to India.

 

[PM1]

Card get delivered to my US address, I arrange shipping from us to India.

Sir, hamare liye bhi kuch jugad karvado 😅

 

[fatehbajwa]

Sir, hamare liye bhi kuch jugad karvado 😅

What he said.

 

[rahulkumar]

Are these cards LTF, as they mentioned its No annual fee,

 

[TechnoFinoTechnoFino is verified member.]

Are these cards LTF, as they mentioned its No annual fee,

not all cards are LTF, they offer chargeable & LTF both type of cards.
if they mentioned no annual fees then yes its free.. LTF

 

[CardSeeker]

What Are The Uses Of The Card? Where Can We Use These Card?

 

[Cardiosniper]

Will the income proof be applicable?
Or only us account and snapmailbox address

 

[fatehbajwa]

"Note - if you already have an Aeldra account & used Indian address while opening the A/C then you can't change it's address without address proof... 🙂"

Can one cancel that Aldera account and then open again after a while with the US address?

 

[TechnoFinoTechnoFino is verified member.]

"Note - if you already have an Aeldra account & used Indian address while opening the A/C then you can't change it's address without address proof... 🙂"

Can one cancel that Aldera account and then open again after a while with the US address?

have to contact them, I really dont know 🤔

 

[Harish]

can we open account using us address and india phone number

 

[TechnoFinoTechnoFino is verified member.]

can we open account using us address and india phone number

yes for Aeldra... no for amex

 

[TechnoFinoTechnoFino is verified member.]

Will the income proof be applicable?
Or only us account and snapmailbox address

they normally don't ask for income proof

 

[TechnoFinoTechnoFino is verified member.]

What Are The Uses Of The Card? Where Can We Use These Card?

check my twitter posts 😄

 

[sabbysingh28]

Hello everyone,
In this post, I'll tell you about - how to apply for US credit cards from India.
To apply for US credit card, you need-
1. US Address ( You can use your friend/family member's address)
2. US Bank Account ( Very Easy, Just open an account with Aeldra) — wait don't open Aeldra right way... 😄 you have to follow some steps before.
3. Need Indian Passport
4. US Phone No (Use text+, Telos, etc app to get US mobile no)

5. SSN/ITIN (you can apply for ITIN from India, contact me 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.
Amex might ask you for address proof, so we need address proof, Follow the steps -
First of all, you need a real physical address, this can be your friend's address/family member's address (who are living in the USA)
signup for Aeldra bank account using this address (use US address, don't use your Indian address)
Download Aeldra bank A/C statement from app/calling Aeldra customer care.
Aeldra's statement will have your US address on it. Use the statement as your address proof.

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 (enter 50000 to 200000$) 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 and ask for address proof, just fax them (yes, they'll ask you to fax 😂, but don't worry you can use any free fax website for this) your Aeldra statement & after 1 hour or so call them again and ask to review your application.
Good Luck 🤞
Note - if you already have an Aeldra account & used Indian address while opening the A/C then you can't change it's address without address proof... 🙂
you can follow this thread and try - https://www.technofino.in/community/threads/us-address-with-proof-for-credit-card.369/

But its not work on existing member of aeldra account slove this problem bro

 

[ravana]

Followed all the steps. Got the Plat charge card.

Sumanta is Card God.

 

[PM1]

Followed all the steps. Got the Plat charge card.

Sumanta is Card God.

Did you have some friend/relative staying there?

 

[TechnoFinoTechnoFino is verified member.]

Followed all the steps. Got the Plat charge card.

Sumanta is Card God.

Congratulations 🎊