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 🤞

 

[TechnoFinoTechnoFino is verified member.]

Can you tell me by this?

16. They might ask you some questions, answer them and click on "Transfer my credit history to the U.S."

Does this have any negative or positive effects at all?

No positive or negative impact...

 

[Khaiz]

Can someone confirm if the Aeldra trick is still working?

 

[TechnoFinoTechnoFino is verified member.]

Can someone confirm if the Aeldra trick is still working?

yes

 

[Khaiz]

So everyone has gone ahead and applied for an Aeldra account with a US address and this probably got flagged and now they are asking for additional verification. I think anyone applying moving forward should expect this to be the case.

True. Even a friend of mine received this after applying .
Can anyone confirm if they were able to open Aeldra account with a US address in the past 7days?

 

[TechnoFinoTechnoFino is verified member.]

View attachment 1268
True. Even a friend of mine received this after applying .
Can anyone confirm if they were able to open Aeldra account with a US address in the past 7days?

Lagbhag 6 din pahele ek jan ka hua... so... depends on your luck

 

[fatehbajwa]

Lagbhag 6 din pahele ek jan ka hua... so... depends on your luck

😒

 

[infiniia]

View attachment 1268
True. Even a friend of mine received this after applying .
Can anyone confirm if they were able to open Aeldra account with a US address in the past 7days?

i got my aeldra account open and working fine.
and also i have recieved a successful amex card HILTON HONORS with 100,000 hilton honors points as sin-in bonus.

i started the process on 1st june and everything finished by 4th june.
from bank account to AMEX HH credit card.

do ask me if you have any queries , and thank you technofino for your help.

 

[fatehbajwa]

i got my aeldra account open and working fine.
and also i have recieved a successful amex card HILTON HONORS with 100,000 hilton honors points as sin-in bonus.

i started the process on 1st june and everything finished by 4th june.
from bank account to AMEX HH credit card.

do ask me if you have any queries , and thank you technofino for your help.

What did the ask for as proof of residency?

 

[infiniia]

What did the ask for as proof of residency?

i gave a call to the amex usa on the number provided to me after the application and the amex usa executive dialled aeldra toll free number and they both confirmed the address over the phone only.
no documents were exchanged only words sufficed.
if you want to apply and if you want to use a referral link please send me your name and email address.

 

[fatehbajwa]

i gave a call to the amex usa on the number provided to me after the application and the amex usa executive dialled aeldra toll free number and they both confirmed the address over the phone only.
no documents were exchanged only words sufficed.
if you want to apply and if you want to use a referral link please send me your name and email address.

But you must have given a US address to Aeldra. What was that?

 

[Khaiz]

i got my aeldra account open and working fine.
and also i have recieved a successful amex card HILTON HONORS with 100,000 hilton honors points as sin-in bonus.

i started the process on 1st june and everything finished by 4th june.
from bank account to AMEX HH credit card.

do ask me if you have any queries , and thank you technofino for your help.

Congratulations 🎊
I believe your signup bonus also includes 100$ Hilton spends statement credit.

Could you answer the following?
1. What was your highest report credit limit in CIBIL?
2. What is the Credit limit provided to you by Amex?
3. Were you able to get the card number / cvv before the physical card delivery?

 

[infiniia]

But you must have given a US address to Aeldra. What was that?

i gave them my friend's business address , a real address and his phone number too.

 

[infiniia]

Congratulations 🎊
I believe your signup bonus also includes 100$ Hilton spends statement credit.

Could you answer the following?
1. What was your highest report credit limit in CIBIL?
2. What is the Credit limit provided to you by Amex?
3. Were you able to get the card number / cvv before the physical card delivery?

i have the 100$ credit on hilton hotel bookings yes.
Answers.
1. my transunion score was 784 which was converted to 710 as USA credit score. by nova credit.
2. the credit limit approved is 1000 USD.
3. i have the last 5 digits of the card in the online user id and a ups tracking number within the login.

 

[infiniia]

@TechnoFino what was your transunion credit score and usa credit score when you applied for the amex platinum card?

 

[Khaiz]

I have the 100$ credit on hilton hotel bookings yes.
Answers.
1. my transunion score was 784 which was converted to 710 as USA credit score. by nova credit.
2. the credit limit approved is 1000 USD.
3. i have the last 5 digits of the card in the online user id and a ups tracking number within the login.

I also applied for the same card and got approved with a 2k $ credit limit. Unfortunately at the time of my application, the SUB didn't include the 100$ statement credit.
My CIBIL of 774 was translated to a US score of 700 at the time of application.

I also received the last 5 digits of the account number, but I wasn't able to log in or track the card with it. Could you tell me how did you do it?

Also could tell me what is the highest reported credit limit in CIBIL? In other words, which card of yours have the highest credit limit?

 

[fatehbajwa]

i gave them my friend's business address , a real address and his phone number too.

They didn't ask for a physical proof like a scan some documents?

 

[TechnoFinoTechnoFino is verified member.]

@TechnoFino what was your transunion credit score and usa credit score when you applied for the amex platinum card?

CIBIL was 794, us standard score was 727

 

[infiniia]

once the amex USA cards are approved and the spends that we make are they reported back to the indian credit bureaus or not?

 

[Khaiz]

once the amex USA cards are approved and the spends that we make are they reported back to the indian credit bureaus or not?

No. They don’t report

 

[infiniia]

They didn't ask for a physical proof like a scan some documents?

they did ask for a passport photo live in the process . and after a while asked for some other documents for which i am awaitin their reply.
Once i have more from the bank i shall provide with a proper answer.