Creating a Dollar-denominated Credit Card
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Creating a Dollar-denominated Credit Card
The problem is that only Amex allows you to transfer your credit history between countries. Creating in Japan
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Create a card in Japan and switch to a dollar-denominated card after entering the United States.
"The switch to DC Card (to a US card) ended with the March 2003 application deadline. Also, Citibank Dollar Card was said to be issued by a Japanese company and did not contribute to credit history in the United States." (Terazawa, July 2003) Switch your American Express Card, which you created in Japan, to a dollar-denominated card. (http://www.americanexpress.com/japan/) This is the easiest method, but you must obtain AMEX in Japan. Once your address and phone number are confirmed here, call Japan's AMEX to switch. However, in Pittsburgh, AMEX is accepted at fewer stores than VISA and Mastercard. "When switching to an AMEX card, SSN is generally required." (Oshio, May 2001) I see. tkgshn.icon*4
Creating in the United States
If you are a student and cannot pass the screening in Japan, you will need to create your first dollar-denominated card after entering the United States.
Try various things just in case.
Try consumer cards such as Kaufuman's Card, Talbot Card, Gap Card, Eddie Bauer Card, and student-oriented credit cards (application forms are available at university bookstores). The lower the credit limit, the easier the screening, and you may be able to pass it easily. International students may be able to create a card during the orientation period.
In 2001, CMU held a special campaign during the orientation period for international students to create a $1000 limit VISA card with PNC. It's like borrowing CMU's credit. Be sensitive to this kind of information during the orientation period.
"There were no such campaigns in 2004." (Shima, Sep 2004)
If you can get a dollar-denominated credit card safely and use it often, you will be able to apply for any credit card after about six months. Eventually, pre-approved application forms will be sent to you by direct mail. However, be aware that even if it says "Pre-Approved", there are often screenings after applying. It's a pity.
Some famous cards include VISA and Mastercard, which are associated with generous services, and Discover card, which boasts no annual fee. There are also partnership cards that allow you to earn points in airline mileage programs (individual cards omitted).
Creating a bank-issued credit card
"Even if you don't have a credit history in the United States, if you have a credit card from your main bank (I personally chose VISA from PNC BANK), you can pass the screening easily. However, an SSN is required. It is not necessary for a family card created together." (2007 Oct Yamanauchi) U.S. bank credit cards in partnership with Japanese companies
ANA Card USA (VISA) and JAL USA CARD (formerly Premio Card) (Master Card) are dollar-denominated credit cards for Japanese people, and it is easy to pass screening even if you have no credit history immediately after coming to the United States.