RobPM

Start with a secured credit card, after six months you have a Fico score, you can then apply for unsecured credit cards. Usually for bank unsecured credit cards they require an applicant to be a Citizen or Permanent Resident of the US. I've recently applied for an American Express and got accepted with a $2,500 limit. Before applying for any form of credit it’s always a good thing to get a free credit report from all three credit bureaus (Transunion, Experian, and Equifax) and to check for any errors. When i started with the secured credit card, i was advised to only use 10-15% of your credit limit and to always pay before the due date. If you have a parent, sibling, or know someone with good credit, you can ask them to co-sign for you on credit applications, but it is usually seen as risky for them. What you can also do is "piggyback" on other people's credit by asking them to add you as an authorized user on their credit cards, but that can be risky because if they default on their debt, it can show up on your credit report. I'm not a credit guru, but I can definitely help.