Dear all,
First of all, I am a new member and would like to thank you for all your help which led me through this short credit journey. WIthout you guys I could not have achieve where I am at right now, and I really hope its just the beginning of the road!!
About myself:
I am a nonresident person, with my family living in the USA, I use their address as my mailing address and for my bank as we
This february I decided to try my luck and apply for a credit card with BOA after reading the forums here and other info on the web, that BOA allows to apply with without SSN or ITIN. To my suprpise, they approved me with 99/500 secured card. I started using the card frequently and PIF most of the times, if I reported balance that must have been quite low, In May this Year I tried my luck and called Amex (was very nervous on the call) and tried to apply for the BCE card as I read it was one of the easier cards to get. I applied with my passport number and all my info, and they asked me to call back... I thought I will be denied, but to my suprise after an hour later they told me over the phone that congratulations, you are approved!! With 2000 limit, but I was very happy!! I started using that card as well , booking hotels, tickets, ordering online etc, always PIF early,My FICO score was 697 according to the Amex fico score report, In July, I visited the USA again, and went into the BOA branch, tried my luck again and requested the Travel Rewrds Card (no bonus though., as i was applying in branch) , the boa rep was quite skeptical if I will get the card, but after a few minutes he was smiling and congratulating on the card (1500 limit), also on the same day I went to a different boa branch and applied for a business travel rewards card (5000 bonus points) as I have a company in the US. I did not get any answer,I have been told that the application was put on hold and I should receive an aswer in mail.. I was pretty sure it got declined. After like 10 days however, I. Logged in to my online banking and saw the business card visa there with 4000 LIMIT!! I was really surprised and happy,.when the card shipped I got a credit score report of 739 which was unbelivable.. Back in July when I visited the boa branches the same day I applied for 3x CLI on my BCE and got approved @ 6000, so I was already in the skies because of the other cards and this credit limit increase! I was using these cards since then and always PIF , only the business cards has balance on htem but it has 9 month 0% apr offer so I thought i might just paid off in little installments. In August I got an early graduation for my seecured boa cash rewards card which got a CLI as well, so it is at 1600 CL now! (Graduated in 6 months, AF remained although)
Fast forward to the last week of September and I tried my luck again with Amex: i saw the 50k gold delta offer and decided to go for it.. As i learned on the forum, you should apply to a charge and to a revolving credit card at the same day as it could only hit 1 HP. So i decied to apply online (ssn 000-0000-001) formthe delta and after a few hours for the amex prg. Both gtot APPROVED!! delta with 6000, prg I am not sure , tried spending limit at 4700 and got approved. Righr now I am enthusiastic and super happy of my approvals!!
My portfolio is the following as of today:
BOA cash rewards (now unsecured) 1600 - current util 5%
BOA Travel Rewrds 1500 - current util 30%
BOA business visa travel rewards 4000 - current util 70% will pay it off in the next month.
AMEX BCE - 6000 current util 55% (but will pay it off shortly)
AMEX delta gold - 6000
AMEX PRG - no preset sl
i have several questions to the experienced forum members, if you could help me with thr next steps
what should I do with my boa cards, wait for all of them to appear for Luv button and go for it in the next 2 months, or should I wait some more time? How much should I ask for?
I am in process to get my ITIN number soon. Which cards should I try to apply woth itin? I am receiving offers from Discoveer & Capital One in mails. jetblue card in email, is any of these accepts ITIN? Do you have ant other recommendations?
should I wait till,thenend of the year for the nexr app spree with my itin number or should I wait more time?
I am an AU on my uncle's chase sapphire preferred, does it mean with the ITIN number I could be eligible for that card, or i will be denied becUse of 5/24 rule ? (Although my itin wont show the applications, probably BOA will report to it only) this is a card I really want to get , but I am afraid I will be denied.
This story I would like to keep updating, I just wanted to share it with you guys esoecially the ones without credit history or no ssn, it is possible ti build up a nice credit!!
Thank you for reading me!