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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)

Screenshot 2022-03-17 at 4.42.19 PM.png
4. On the next page, select any Amex credit card you want to apply for & click on "Apply Now"
Screenshot 2022-03-17 at 4.47.34 PM.png
5. On the next page, click on "Got it, take me to American Express"
Screenshot 2022-03-17 at 4.51.51 PM.png
6. You'll be redirected to Amex official website, on that page click on "Apply Now"
Screenshot 2022-03-17 at 4.55.07 PM.png
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.)"
Screenshot 2022-03-17 at 5.00.10 PM.png
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.
Screenshot 2022-03-17 at 5.10.27 PM.png
9. Enter your details & click on Next
10. Now enter your Indian mobile no and click on Next
Screenshot 2022-03-17 at 5.17.29 PM.png
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
Screenshot 2022-03-17 at 5.28.43 PM.png
15. You will see a page like this- "Good news! We located a matching record at Transunion CIBIL"
click on Next
Screenshot 2022-03-17 at 5.37.11 PM.png
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.
Screenshot 2022-03-17 at 5.44.43 PM.png

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 🤞
 
Last edited:
"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?
I have already mailed the regarding address change using CMRA Form.
If i get negative response for that , i may request to close my account.

Have you contacted Aeldra Concierge regarding account closure?
 
Just called the Aeldra Concierge and placed a request to close the account. Will try to signup again with new address once its closed
 
Why? Not accepted the CRMA form as address proof?
Didn’t get reply from them. So i talked to the concierge and asked if i can signup again if i close the account. he said i can sign up instantly after I receive the account closure confirmation. There is no cooling period whatsoever. Just felt this is a faster method.

And i feel its highly unlikely they will accept CMRA form as residence address proof
 
Didn’t get reply from them. So i talked to the concierge and asked if i can signup again if i close the account. he said i can sign up instantly after I receive the account closure confirmation. There is no cooling period whatsoever. Just felt this is a faster method.

And i feel its highly unlikely they will accept CMRA form as residence address proof
How long are you going to keep that snapmailbox us address subscription? Are you going to discontinue it after getting the card?
 
Didn’t get reply from them. So i talked to the concierge and asked if i can signup again if i close the account. he said i can sign up instantly after I receive the account closure confirmation. There is no cooling period whatsoever. Just felt this is a faster method.

And i feel its highly unlikely they will accept CMRA form as residence address proof
they ask you to wait 2 or 3 days for address update.... call them and request them to update manually, if your case is still pending after 48 hours.
 
Didn’t get reply from them. So i talked to the concierge and asked if i can signup again if i close the account. he said i can sign up instantly after I receive the account closure confirmation. There is no cooling period whatsoever. Just felt this is a faster method.

And i feel its highly unlikely they will accept CMRA form as residence address proof
any update?
Account close hua?
 
How long are you going to keep that snapmailbox us address subscription? Are you going to discontinue it after getting the card?
If everything goes well. Planning to keep the subscription for a long time. SnapMailbox’s basic plan allows to add another user. So if i find someone to share the account , monthly fee will be 5$ per user.
 
any update?
Account close hua?
Yes. But I’m still able to login using the same email id and password. Past months statements can also visible. Everything from Personal Information section has disappeared.
Called up the concierge and confirmed its closed. Just that Username and password will remain active.

So i tried to signup using another email id , phone number and a new address. After submission of and documents it was shown that my application is currently being reviewed. They mentioned they would demand additional documents, most probably its gonna be some kinda address/residency proof.
 

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Yes. But I’m still able to login using the same email id and password. Past months statements can also visible. Everything from Personal Information section has disappeared.
Called up the concierge and confirmed its closed. Just that Username and password will remain active.

So i tried to signup using another email id , phone number and a new address. After submission of and documents it was shown that my application is currently being reviewed. They mentioned they would demand additional documents, most probably its gonna be some kinda address/residency proof.
Keep updating
 
What are the benefits of Amex US card?
Can someone help?


I have Charles Schwab account for my stocks and will apply though that. I will get 1.1 cent per point so joining bonus will be $1100 , which can recover the cost.

Can I use this card for regular spends like any other card that I use in INDIA?
 
What are the benefits of Amex US card?
Can someone help?


I have Charles Schwab account for my stocks and will apply though that. I will get 1.1 cent per point so joining bonus will be $1100 , which can recover the cost.

Can I use this card for regular spends like any other card that I use in INDIA?
Yes, you can use the card in india... you don't have to pay markup fees.
 
What are the benefits of Amex US card?
Can someone help?


I have Charles Schwab account for my stocks and will apply though that. I will get 1.1 cent per point so joining bonus will be $1100 , which can recover the cost.

Can I use this card for regular spends like any other card that I use in INDIA?
Is it a brokerage account? Could you tell us how did you open that account?
 
What are the benefits of Amex US card?
Can someone help?


I have Charles Schwab account for my stocks and will apply though that. I will get 1.1 cent per point so joining bonus will be $1100 , which can recover the cost.

Can I use this card for regular spends like any other card that I use in INDIA?
You have Charles Schwab International variant or USA variant?
 
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