this post was submitted on 16 May 2024
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how recent do u mean, like sure if u been here less than a year and u dont have a green card probably hard but when u have it its not hard at all, how do u think people exist in this country before the 5 years for citizenship are up or even beyond that if they never get citizenship. also the person in the post studied in the usa they probably lived here atleast 4 years.
I think you are vastly underestimating how hard it is to get a start in a totally new country where you don't speak the language.
Cash....... Most immigrants rely on cash and don't really trust banking institutions. There are plenty of check cashing services that charge predatory amounts of money to cash checks for people who aren't able to utilize or get a checking account.
On a student visa.... You can open a bank account with a student visa passport, and a letter explaining your residency status. If you apply for an individual tax ID number and get assigned a social security number, you can apply for a credit card. But you don't really have any credit history, and they know you're only in the country temporarily.
I went through all this when my cousin came from Korea to go to school, it was a lot easier for him to just use his dual currency card.
man i am an immigrant and most people im close with are too its not that hard to get a credit card, i have seen it tons of times people get here and as soon as they get their work permit and have a couple month of direct deposit they can get a shitty credit card and after that they get a decent one, also it doesnt really matter how much of a pain in the ass it would have been for the student if his plan was to do this its perfectly doable.
like i literally know so many people who have been here only a little over a year and are already drowning in credit card loans, when my family emigrated my mom got a credit card less than a year into living here. migrants get credit cards all the time its super normal are u sure we are even talking about the same country here.
Lol, this makes no sense. First of all the credit cards they typically give have very low credit lines, often depending on the amount you deposit. So even if they got a card it wouldn't be possible to rack up a lot of debt. Secondly, if you have no credit rating and you do rack up debt, your credit rating is going to be awful and you won't be able to get better cards.
One of the only ways to build up your credit at this stage is to use your card responsibly and keep it paid off. That's unless you have someone who can co-sign your applications, or become an authorized user on someone else's account.
Oh yeah, I'm going to go from having no established credit, to being able to rack up 140k in unsecured credit in 4 years, on a student visa. Bullshit.