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I need a US based credit card. (I have no ties to US) (alien.top)

submitted 11 months ago by idkifimalive@alien.top to c/digitalnomad@expats.zone

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Im NOT a us citizen or resident

Hsbc left US for retail so I gotta find a new credit card.

My investment accounts are in the US. So I need a US based credit card (without foreign transaction fees). Otherwise I’d need to pay 2-5% extra and I’d need to deal with moving funds internationally. If it’s a US credit card, it’s just ACH.

Any suggestions? Thanks.

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[–] elpollobroco@alien.top 1 points 11 months ago

Going to be extremely difficult with no credit history. I just went through this with my wife.

You’ll need an ITIN with a reason for an ITIN, plus at least 1 year of building a solid credit history to qualify for a card good enough to have no foreign fees. The first card you’ll get with likely be a secure credit card which will also require you to transfer funds from your own U.S. bank account which is another difficult hurdle because you’ll need an itin for that plus proof of residency like a utility bill if you don’t have any US ID.