As a greencard holder I wish I had heard this earlier!

@johnsfinancetips

2 жыл бұрын

The more you know!!! Hope it was helpful

Such a useful video and well explained for anyone that in new to the US! Cool to hear some of your own backstory behind creating this video

@johnsfinancetips

2 жыл бұрын

Thanks Danial, yea luckily I got to see how my parents navigated it and learn through them. Honestly couldn't imagine landing here trying to figure out the credit system from square 1 haha

Absolutely took value out of this!! Instant sub! Thank you John!!!

Thanks John, priceless info. Keep it going on Immigrant Financial info!

Great information and amazing topic. A fellow immigrant salutes you!

Another super helpful video here!! As an expat, definitely going to follow the steps!

@johnsfinancetips

2 жыл бұрын

Glad it was helpful!

So so so helpful! All my questions are answered.

This came at the right time for me. Thank you very much

Thank you John. Its really helps me

Great video! Thanks for educating me on this subject! 🎉

great vid, thanks man!

thank you dude, you'll make a great teacher!

Definitely good information John!!! Infact not good...but great information!!! Instant sub!

Wow dude!! Thank you so much!!! This was very educational!! Thank you thank you thank you! I feel I can now achieve dreams I thought impossible!

@johnsfinancetips

2 жыл бұрын

I'm happy to help!! Wish you the best!

Great video! Would love to see this or an update video since you've come up so much in the past two years :)

This guy deserves more views!

Thank you John this gives me a way to go... As an immigrant US financial system it's a little bit intimidating, I would like to learn my way around all this, but this definitely helps a lot, thank you again

@johnsfinancetips

2 жыл бұрын

Happy to help!!

Very helpful!

We arrived a month back in the United States and this video was just what I needed. Lots of great information to get started on the journey of building credit history. Building credit seems a bit complicated and somewhat lengthy process, nevertheless super important and the tips that you have shared will hopefully make it little less painful. Thank you for the direction!

Glad i landed here, got my work permit now im ready to build credit

Just shared this video with my cousin who just got her social security number!

Newly arrived immigrant here. Very informative, I have been watching your videos since before we arrived in the US. Three months in and I just received my Chase freedom Flex in the mail.

@CurtisDavec

11 ай бұрын

Haven’t heard of Astro Cybernet ‘s ?

@ismaelvsano

6 ай бұрын

how ? i tried to apply and wouldn’t let me for lack of ssn

@ThatWasKind

2 ай бұрын

Hey, how to be immigrant in US ?

Thank you, Thank you

thanks for the info 🙏 How many credit cards should I open as Authorized user?

Thank you so much for this info! I moved to the US shortly before Covid started, so getting everything squared away has been a long and difficult process. I'd never heard of Nova Credit before this video and was able to finally get approved for a credit card using the service with no credit history here!

@johnsfinancetips

Жыл бұрын

That's amazing! A very late welcome but Welcome to the US! And also congrats on getting approved for a credit card!

Thank you so much for this video! 🙌🏻 How many of these methods should we pursue? Is there any drawback to opening multiple secured credit cards?

@johnsfinancetips

2 жыл бұрын

If possible I would recommend getting added as an authorized user while also opening a Secured Credit Card. If you have no credit history it might be difficult to open multiple secured credit cards, but in general opening multiple cards does not have any long term negative impacts. I'm glad I was able to help - please let me know any additional questions!

Love the introduction...how i felt when i arrived...cheers to a brand new start everyone 🥂

I haven't realized how foreign the credit system would be for an immigrant. Very nice basic overview of the confusing AF U.S credit score system.

@johnsfinancetips

2 жыл бұрын

Thanks Chase, yea it's pretty daunting I'd imagine. Pretty cool how we could also transfer our credit report to some of those countries as well

@AutriBanerjee

Жыл бұрын

Chase do u have a Chase card?

@ChaseYokoyama

Жыл бұрын

@@AutriBanerjee I only rock Credit One

Hi John thank you so much for this information it's so important, am in Africa but with a dream to migrate to America , what are some of the banks you would advise to open up an account when I come to USA?

Thanks for an informative video. Does reporting my rent contribute to my credit score if I already have a credit card?

Tourist here. I have three cards already without an SSN.

@ramirov8625

Ай бұрын

Who were the companies who helped you get the cards? I was only able to get from Capitol one! Thank you

John, thank you for this video. I decided to wait until I get my SSN, so to start on Secured Card. I'll save your video to rewatch it later to refresh my memory. Is there any chance you live in NYC ?))

@johnsfinancetips

11 ай бұрын

I'm not in NYC, but glad to hear you found this helpful!! Best of luck on your credit journey.

You said to pay on time and in full. Does that mean if I use my cc and say I spent $150. I have to pay that $150 at once before the due date. Or can I pay installments before the due date ?

Great video!!! Moving from the UK to California and some very useful info here. ANYONE knows how to lease a car in california just after relocating on a work visa? no credit history.

If someone with a ITIN gets a credit card and gets a few late payments or go default. How do you go about to fix that person credit, like u would to fix someone with has a SSN ?

Some Canadian banks such as RBC have a US subsidiary. I've heard of Canadians buying vacation properties in the US and they get their mortgage through RBC's US subsidiary (but based on their Canadian credit history). Perhaps the US subsidiary might also report their mortgage to a US credit reporting agency?

@johnsfinancetips

2 жыл бұрын

Thank's for the share, I wasn't aware to RBC subsidiaries in the US but that totally makes sense! Is that something you've done?

@Flourish_today

Жыл бұрын

I wish I had an account with RBC when I was in Canada.

Hello everyone! I was hoping for some advice. I recently moved to the US but I have a 10 year established credit history in Canada with a score of 810. When I moved in January of this year, I was able to get a bank of America credit card when I opened my bank account. I also recently got approved for the quicksilverone card from Capital one ( I am hoping to upgrade this card to the regular quicksilver card in a few months to have a no foreign transaction fee card). My oldest US credit card is 2 months old. My current Transunion score is 683. I am able to apply for the Amex gold using my Canadian credit score. Would you suggest applying for the Amex Gold in the next 2-3 months? I really do want it but it would end up being one of my oldest US credit cards which might make it difficult to cancel it in the future if I decide I no longer want it. Any advice? Thanks in advance 🙂

Thank you John, I have a several question. I am currently student in Germany and I'm planning on doing internship or student exchange to USA. 1. I am not USA resident/citizen, never been to USA. Can I open US bank account and apply for credit cards before moving to USA? if so how 2. Can I get SSN once I become exchange student in USA? thank you again I appreciate your help.

Amex will also xfer from Mexico , I got $10,000 credit limit from my Mexican card

Moving soon to U.S. as a new resident, have an account with HSBC UAE and US with a corresponding credit card since about 4-5 years (always paid on time and in full) can I translate that credit history to U.S. terms? Thanks John...

Does the new authorized user need to have a social security number?

Thanks moving from Ohio to the United States.

@enableios8710

9 ай бұрын

😂

If you get someone to add you as an authorized user, will you inherit “bad” or “not so good/average” credit as well? Asking in case the person who says yes doesn’t have particularly excellent credit

@johnsfinancetips

2 жыл бұрын

Great question and the answer is yes likely that will flow through as well.

I am from Philippines and I have my Citibank and American Express credit card. I live here in US now. Can they trace my credit records from Philippines since I have my Citibank and American Express?

I have tried alot of credit cards to apply but i get rejected everytime. Its been 3 years i am here in USA as a permanent resident. What should i do brother,how can i start my credit history. What credit card would suit me as a beginner and have 100% chances of approval. I am really worried about my credit history to build up. Cant buy anything 😥

Thank you so much for this instructive video. However, I am a bit disappointed when you mentioned what you did for your girlfriend since I don't have anyone to do this for me .): And the other options don't sound like I'll be able to build a good credit in less than two years. Since video was posted two years ago, is there any better option in 2023? Thank you!

The video starts at 4:10

British immigrant here. I started by getting the Discover student card and was very happy with it. I didn't have credit in the UK since i didnt see the point of a credit card there. US ones are significantly better and I've been saving a good amount of money each year.

Not true about authorized user, this is inaccurate, please check what you are sharing with newbies.

WHAAAT 2 years 740??? I NEED 740 in 6 months

@CurtisDavec

11 ай бұрын

Haven’t heard of Astro cybernet ?

Wow that was a very long intro