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How to improve credit fast?

How to improve credit fast?# WaterWorld - 未名水世界

l*o2011-01-28 08:01

1 楼

I am an international student without any credit background. Now I got my
new job with salary 70k+, however none credit card vendor approve my
credit card application. I still use debit card now.
Is there any way I can improve my credit history fast? By the way, since i
dont have credit card, how am I able to earn credits?
Sorry, sent this msg from office no chinese input method.

r*o2011-01-28 08:01

2 楼

get your first credit card from the bank that has your direct deposit
information

l*y2011-01-28 08:01

3 楼

P*k2011-01-28 08:01

4 楼

Try secured credit cards.

l*o2011-01-28 08:01

5 楼

I use Chase but they have rejected me four times.

【在 r******o 的大作中提到】

: get your first credit card from the bank that has your direct deposit
: information

h*x2011-01-28 08:01

6 楼

Try BOA and citibank, should be easier.
I remember my first credit card was from Costco, apply a membership there
and
should be easy to get a American express card.

【在 l*******o 的大作中提到】

: I am an international student without any credit background. Now I got my
: new job with salary 70k+, however none credit card vendor approve my
: credit card application. I still use debit card now.
: Is there any way I can improve my credit history fast? By the way, since i
: dont have credit card, how am I able to earn credits?
: Sorry, sent this msg from office no chinese input method.

p*w2011-01-28 08:01

7 楼

I made a 10K deposit at wellsfargo. They approved my credit card without any
problem. Several years later, they told me my card is a student credit card
. But I don't really see any difference.

A*t2011-01-28 08:01

8 楼

AmEx or Capital One. They take anyone.

【在 l*******o 的大作中提到】

C*e2011-01-28 08:01

9 楼

* try to get your first credit to start with
bank of america is a great option
* how come you failed to get one while in school?
i even get my ssn there while studying and get my 1st credit card right
after that
* good luck~

a*52011-01-28 08:01

10 楼

try discover

c*22011-01-28 08:01

11 楼

现在的确不如前几年了，严格很多，我开了公司账户，顺便申请公司信用卡都被拒，开
户时银行小姐已善意提醒了我。

h*e2011-01-28 08:01

12 楼

BOA，开个小额的Credit Card。
过半年就会收到很多信用卡公司的的Spam Mail。

z*x2011-01-28 08:01

13 楼

get a store card first, such as macy's. use it and pay on time. before you
know it, you'll have too many credit cards.

l*o2011-01-28 08:01

14 楼

I tried but failed.
I tried BOA, citibank, chase, amazon, kroger, macy's and others I even
forgot the name. They all said they cannot find my credit history.

you

【在 z*****x 的大作中提到】

: get a store card first, such as macy's. use it and pay on time. before you
: know it, you'll have too many credit cards.

z*x2011-01-28 08:01

15 楼

do you have ssn?

l*o2011-01-28 08:01

16 楼

Yes, I have used ssn for 2 years

【在 z*****x 的大作中提到】

: do you have ssn?

b*k2011-01-28 08:01

17 楼

RE

【在 z*****x 的大作中提到】

: get a store card first, such as macy's. use it and pay on time. before you
: know it, you'll have too many credit cards.

z*x2011-01-28 08:01

18 楼

a few thoughts:
1. try macy's or other dept stores again. make sure you apply for the store
card in-store.
2. make sure your name appear in your utility bills (same name as the one on
your state id/driver's license)
3. get a state id or driver's license.
4. go to your own bank to get a debit card
5. go to your own bank and apply for a secured credit card
6. have a friend add you as a authorized user on his credit card.
7. be patient...

【在 l*******o 的大作中提到】

: Yes, I have used ssn for 2 years

a*h2011-01-28 08:01

19 楼

buy a house

h*x2011-01-28 08:01

20 楼

Don't try to apply too many credit cards in a short period time since
checking credit have bad influence to your credit.

【在 l*******o 的大作中提到】

: I tried but failed.
: I tried BOA, citibank, chase, amazon, kroger, macy's and others I even
: forgot the name. They all said they cannot find my credit history.
:
: you