How to get US Credit Cards, Get Points and Build US Credit as non American

[@antb533]

For Canadians you can open a BMO Harris bank account via BMO. Ask specially. Once you have Harris you can get other accounts

[@OffshoreCitizen]

Yes it's a bit annoying but definitely doable. RBC also has an offer but it's way more expensive

[@michaelreid8857]

I find TD the best. The TD (USA) will pull a Trans Union Report from Canada. You will use your CDN. SIN, but it does require putting down a US Address.

[@BiigMinnie]

I heard that you can get the Amex gold and they ask if you’re a U.S citizen or not however it doesn’t make a difference to the application. You think that’ll work? Actually I’ve just done it and they said they’ll get back to me soon lol

[@MichaelRosmer]

Being a citizen won't be a deciding factor, depending where you apply being a resident definitely can be.

[@leonardogarces7563]

Where you able to get it? I would like to have it also but I’m a non resident

[@xzavierbridger7693]

sorry to be so off topic but does someone know of a way to get back into an instagram account? I stupidly lost my account password. I would love any help you can offer me.

[@OmarConnects.]

What was the result?

[@kunjomani]

I have an EIN as the non-resident US from my LLC, do I need ITIN or is EIN good enough? I want to get the Chase Prefered Credit card- is it possible to get it? I am a Swedish Residence.

[@OffshoreCitizen]

Better to get an ITIN

[@orville725]

Hi i have a non resident LLC startup online retailer business registered in Wyoming . Also have an EIN .Can i access business loans & credit card ?

[@OffshoreCitizen]

Probably not without having them be secured. You need to first build credit

[@mdkhoda6490]

@@OffshoreCitizen how to build credit and how long it takes. I am planning to set up LLC. If you kindly explain in details pls. Thank you. And which bank I should open business account. Many thanks

[@aissameddinemoussaoui394]

@@OffshoreCitizen how do you build credit

[@toddgilbey3979]

The terminology between the US and the UK with debit/credit/checking cards. When I have an American company telling me that "we only accept credit cards", when I've been paying for said service with a debit card for years is becoming an absolute joke.

[@MichaelRosmer]

Haha yes the term "credit card" is often used interchangeably with "visa & mastercard" in North America. Sometimes we also hear the term "bank card" in Canada and some other places.

[@toddgilbey3979]

@@MichaelRosmer yes, but Visa and MasterCard are just brand names, they both offer the same credit card services and debit card/bank card services. Unless it’s different in North America. But the times I’ve had to explain to Microsoft - a multi-billion dollar company - who supplies Office365 to all my business how they have been accepting debit cards for the past 30 plus years, is kind of tedious despite saying otherwise 😂

[@MichaelRosmer]

@@toddgilbey3979 haha well there are a couple cases for example with some online ad accounts where they actually won't accept certain debit cards but will accept credit but in general I'd say just give them the card number and call it a day. Lol

[@toddgilbey3979]

@@MichaelRosmer very true :)

[@powergrower]

I’d like to know how Americans can get credit in other countries.

[@MichaelRosmer]

Great question it depends on the country. Most countries don't have sophisticated credit systems like the US does. In most cases you need to be able to show a regular income like a salary within the region (in some cases region could be the EU for other EU countries) and make an application but it also depends on secured vs unsecured credit. Secured as in a mortgage is much easier.

[@i1pro]

What's a good place to build credit besides the US?

[@MichaelRosmer]

@@i1pro well first realize most countries don't have sophisticated credit rating systems like the US. For instance, in some countries, it goes on a bank by bank level. Next, I think it's really important to consider where you would want to utilize credit? For instance, say you can get credit in Bulgaria (not that difficult to do if you've got a residency permit, show a salary and file taxes) but don't plan on spending money in Bulgaria you'll be limited to an unsecured line of credit that's probably not very high. If you want to buy property in Spain you probably want to build credit in Spain (generally banks won't lend to you outside of your home country unless you're talking about sophisticated international asset-based lenders for deals that are sufficiently large). Some other countries that have sophisticated credit systems would be places like Canada & Germany. UK is middle of the road. Usually, the most important factor starts with demonstrating income locally (not so true in places like Canada, the US, etc. where income is separate from credit). What I find is most useful is in cases where the two can be separate. If you haven't already I'd look into building corporate credit, especially in the US, separate from personal credit as it can give access to a decent amount of low-cost unsecured capital.

[@HappyShappy.]

Plz help .I have credit card at my sister home in Florida. How she can deliver that to my Canadian address? which company deliver credit card from USA to canada? Plz help. Thank you.

[@aurelius777ge7]

Russian people could open banks account in USA without SSN?

[@MichaelRosmer]

The world of banking is tricky for Russians. But in theory yes, an SSN is not necessary to open a US bank account

[@aussiecapitalist614]

Pretty much only if you walk into a branch in USA with your passport and give the USA address where you are staying, I know someone with an Australian passport who did it recently in a BOA branch.

[@MichaelRosmer]

@@aussiecapitalist614 we can do remote opening at BOA for personal accounts, business accounts are more tricky

[@gamerzbangerz]

Thank you for your video I still have a question though. Your examples don’t seem to cover my case. I have a US social. I used to study live and work in the USA. I was able to build US credit and retain my social. However I had to leave the US years ago and I decided to settle in Canada where I am a citizen. How do you update an address with the credit bureau in the US they won’t accept canadian address it needs to be Us and it requires a proof of address bill etc. Are there like PO box services that can be used so I can still enjoy the benefit of leveraging my US credit?

[@OffshoreCitizen]

Best to send us a message through www.offshorecitizen.net to discuss specifics about your situation

[@WallStreetIceCream]

I was wondering if a US citizen moves overseas how they can apply for credit cards in the USA cause they require a USA mailing address and bank account

[@MichaelRosmer]

You can get an address and bank account easily enough and use them you don't actually need to live there.

[@WallStreetIceCream]

@@MichaelRosmer how

[@MichaelRosmer]

@@WallStreetIceCream just get a US forwarding address (using a friend's address is usually easiest), use an online bank to open an account and go from there.

[@leonardogarces7563]

If my brother is a us resident but I’m not, can he for example get the Amex gold and ask for an additional member to share the card with and add me under him ?

[@michaelreid8857]

Yes!

[@renandabreu]

The subject is always very interesting but please make a script and go straight to point and save us some time.

[@ntomdia]

Thank you. I was just going to say.

[@bribbri3697]

9:24 did you mean an ITIN?

[@TechAllTheWay]

How to get credit cards from usa if i live in israel?

[@OffshoreCitizen]

Need to get an account and build credit there

[@TechAllTheWay]

@@OffshoreCitizen cool, but how to get an account if they ask for ITIN AND/OR SSN which i don’t have..? That’s the thing

[@brandon4640]

Hello sir I'm 17 , non citizen, working visa , can I get a credit card and build my credit score

[@michaelreid8857]

You need to be 18! Once you are start with either student cards or secured Cards. Discover It, is a great starter card. Minimum deposit is only $200

[@xristinarose2409]

Your shirt is so wrinkled that it s hard to concentrate on the content 😅

[@OffshoreCitizen]

hahaha sorry about that :D

[@HappyShappy.]

Plz help .I have credit card at my sister home in Florida. How she can deliver that to my Canadian address? which company deliver credit card from USA to canada? Plz help. Thank you.