I've been in NYC for three months as a student and don't have an SSN or ITIN yet. I opened a TD Bank account and they offered a cash secured credit card, but I didn't take it. What's the best way to start growing my credit score and get a good first credit card?
You do not need a Social Security Number (SSN), an ITIN, or a cash security deposit to get your first US credit card. Credit card approval depends on individual issuer underwriting models. While traditional banks usually require a taxpayer ID, several alternative credit card issuers specifically underwrite international students using your passport, student visa, and bank account.
You made a fine choice skipping the secured card at TD Bank. You can apply for an unsecured card today using the bank account you already opened, and start building your US credit history immediately.
A secured credit card is not your only option, and it might not even work for you right now. Traditional secured cards usually require a taxpayer ID, like an SSN or ITIN, and proof of income from a job.
Online credit report monitoring is also blocked for now. Experian requires an SSN for online access. Without one, you must request your credit report by mail by sending a physical copy of your ID and utility bills.
Automated credit-building tools, like Experian Boost, explicitly require an SSN to use.
If you obtain on-campus employment and become eligible for an SSN, standard unsecured credit cards and automated credit-building tools become available to you.
