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DAP Forums > DREAM Act > The Lounge

So I went to BOA counter today and the teller said... - Page 2

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#11
02-14-2012, 12:21 AM
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Quote:
Originally Posted by tiguangna View Post
idk but for me I see that as a good thing... I've seen how destructive credit card debt can be, especially with the interests which piles up to the point that whatever you make just goes towards the interest.Having a credit score may be essential here in the US, so I get why people do it... but for someone like me who has no stable job or status for that matter, its unlikely I would need a score to buy a house or a car anytime soon. It's actually a good way to avoid temptation to spend with a credit card by simply not having one! :]
Yeah, my aunt is an LPR and she just filed for bankrupcy...what a moron... really.

I think that if you are smart you can handle a credit card. Maybe use it like a debit card in the sense that you should not buy if you do not already have to money to make the payment.
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#12
02-14-2012, 08:36 AM
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banks dont care they find a way chase does, also walmarts bank is pretty immigrant friendly dont require one either
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#13
02-14-2012, 11:25 AM
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I have the Rewards BoFA which I got about a year ago. I started off with a secured credit card ($500), which means you just use your own money to build credit. After a year of that and paying the card at the end of each month, I applied for the rewards one and got.
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#14
02-14-2012, 12:23 PM
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I have the Rewards BoFA which I got about a year ago. I started off with a secured credit card ($500), which means you just use your own money to build credit. After a year of that and paying the card at the end of each month, I applied for the rewards one and got.
Sweet! thanks for the info.
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#15
02-14-2012, 12:54 PM
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Quote:
Originally Posted by Whydontilook View Post
I have the Rewards BoFA which I got about a year ago. I started off with a secured credit card ($500), which means you just use your own money to build credit. After a year of that and paying the card at the end of each month, I applied for the rewards one and got.
Did you have any problems getting your deposit back? Also, how do they give it back? Mail you a check etc?
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#16
02-14-2012, 02:45 PM
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Ive got a Capital One credit card and I'm pretty sure BOA gives credit cards to us as long as we apply in person. But the real question is, how to get a credit score/report?? What happens when we finally get SSNs in the future?
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#17
02-14-2012, 03:46 PM
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Originally Posted by 2Face View Post
Ive got a Capital One credit card and I'm pretty sure BOA gives credit cards to us as long as we apply in person. But the real question is, how to get a credit score/report?? What happens when we finally get SSNs in the future?
You can get a credit report from Experian but no credit score. Capital One uses CreditInform and they compute a credit score for you. Take care of your credit because when you have a social the social security administration can transfer all the taxes you've paid to your new social. The credit companies do a lot of matching simply by address and name so until you have a social use the same name spelling and address. Your credit will follow you that way. I imagine once you have a social you can write the credit companies if your ITIN still shows on your report.

BoFA does give you a credit card but you have to apply in person.
Last edited by stars; 02-14-2012 at 03:49 PM.. Reason: Forgot to add something
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#18
02-14-2012, 11:34 PM
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You can get a credit report from Experian but no credit score. Capital One uses CreditInform and they compute a credit score for you. Take care of your credit because when you have a social the social security administration can transfer all the taxes you've paid to your new social. The credit companies do a lot of matching simply by address and name so until you have a social use the same name spelling and address. Your credit will follow you that way. I imagine once you have a social you can write the credit companies if your ITIN still shows on your report.

BoFA does give you a credit card but you have to apply in person.
Word. I've been paying my balance in full within a week after my new statement comes out. Capital One usually starts you off with $500 limit and then they increase the credit little by little after a number of payments. I'm going to apply for the BOA card as well.
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#19
02-15-2012, 04:31 AM
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Originally Posted by MiGSTeR View Post
Hmm.. I'll go in today and update you guys. I am curious about this.
Yo Migs...what's the update?
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#20
02-15-2012, 08:47 PM
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jojobro
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if you came her legally then you probably have a tax id number. You can sign up w/ BoA with that instead of SSN
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