How to get your first credit card in the U.S. (2024)

Many of you are new to the United States this fall for work or school.

Today's post is about getting your first credit card, an essential part of American life. 

Like everything else in the world, creating a credit card in the U.S. is a good first step.

1) It's not the end of the world if you don't get the first step right, but if you take the easy way out, you're going to spend twice as much time and effort along the way.

2) The world of miles and cards has also become increasingly regulated over the past few years, making long-term planning very important. While planning and staying on top of the rules can help you take advantage of the tremendous benefits of US mileage cards, it can also mean that you'll be sucking your fingers when the next great deal comes along.

So, after a long time We've updated our guide to creating your first credit card in the US. 

Whether you're new to the U.S. as an international student or immigrant, or you've been here for a while and are just realizing the need for a credit card, we hope this helps.

1. 4 principles to keep in mind 

Let's start with a quick recap of four principles to keep in mind.

1) My credit card has nothing to do with my ego!

There are a lot of people who are trying to get their first credit card in the U.S. who are unprepared and keep applying for credit cards and getting rejected because they have a "let's see if I win or you win" mentality.

While it's clear that it's never pleasant to be rejected, whether it's a test or a card application or a confession, applying for a credit card in the U.S. is a very mechanical process that has nothing to do with your self-worth or self-respect.

If you don't get a card, there's no need to think, "Who do they think I am!" and applying to every credit card company one by one until it becomes a battle of wills will only make it harder to get your first card.

2) You shouldn't give up just because you can't.

When you confidently apply for your first card and you get rejected, you might think, "Well, I can do a lot of things with a debit card without a credit card, so I'm not going to get a credit card." It's just a different way of expressing the confrontation from #1.

Giving up credit cards in the U.S. may mean giving up hundreds of thousands of miles on the ground in the short term, but in the long term, it's also a missed opportunity to start building your credit score early. If you live in the U.S. long enough, you'll likely need to borrow money for a mortgage, car purchase, and more, and your credit score will be a crucial factor in the interest rate you get.

In other words, it's better to know what you're going to have to manage anyway, and start small.

3) Don't blindly trust your credit score. 

While some of you may be new to the world of US credit cards, many of you already know the basics of applying for a US card.

We sometimes get questions like, "My credit score is over 700, why can't I get approved for the Sapphire Preferred Card?" or "My credit score is 680, can I get approved for the Freedom Flex Card?

I would say that these questions are based on the assumption that credit scores are an absolute objective measure of creditworthiness.

In my years of experience, I've found that a credit score is a good indicator of whether it's a true Fico Score or a FreeCreditReport.comI think it's safe to say that you should never put too much faith or trust in a credit score, even if it's a modified credit score like the one you can find on

Your credit score is not your past test scores or SAT scores.

This is not to say that if you have a credit score of 700 or higher, you'll get a Sharp card! If you have a credit score of 680 or higher, you'll get a Freedom card! It's not at all like that. There are many variables that go into the actual issuance of a card, such as income, card usage patterns, relationship with the card issuer, and so on, so I think it's best to think of your credit score as a tool to see how your credit is changing.

It's also worth remembering that for most international students and expats who don't have a long credit history, this credit score is not an accurate reflection of their credit history. 

In an ideal world, your credit score would be an accurate and accurate indicator of your overall credit history, income, etc. but in the real world, it's not uncommon for people to apply for a card and get rejected, especially if they don't have a long history of late payments or non-payments, so it's not uncommon for people to apply for a card based on their score and get rejected.

4) Credit is a race against time. You don't have to go into debt on purpose. 

There's a lot of advice online about getting into debt on purpose as one of the fastest ways to improve your credit score.

  • There have been cases of people who have paid all cash for a car, but intentionally took out a loan with a high interest rate to improve their credit score.
  • Some people say that if you open a credit card and intentionally don't pay it off in full, pay the minimum, pay interest, and keep it for a few months, your credit score will skyrocket.

Of course, customers who pay a lot of interest are probably very good customers from the bank's perspective.

However, your credit score doesn't have to go to these extremes; it will naturally improve as you use your cards sparingly and pay them off on time and without late payments.

It's important not to be too impatient with your credit history, as it will eventually resolve itself over time.

2. prepare

1) Social Security Number is required

Not having a Social Security Number (SSN) is similar to not having a resident registration number in Korea. It is said that a credit file is created by name, address, age, etc. but basically, an individual can access my credit file in my name only if I have an SSN.

So if you're eligible for an SSN but haven't bothered to apply for one, it's a good idea to get one as soon as possible.

If you're a student and you're told that you can get an SSN even if you don't have an assistantship but work 3-4 hours a week in the library or cafeteria at your school, don't think twice about applying and getting one.

2) If SSN doesn't work, use your ITIN as an alternative. 

If you don't have an SSN, you may want to apply for and obtain an Individual Tax Identification Number (ITIN), also known as a tax number. This is the case for most F-2 visa holders. Application/issuance tips detailed on the University of Michigan homepageis now live, so be sure to check it out. In the past, card applications without an ITIN have been accepted using the Yes, there is aIt's a pretty big difference between having an ITIN and not having one.

In fact, Amex used to be able to issue cards with just a Korean passport number, but now they require an SSN or ITIN.

3. How to create your first card 

As with everything in life, the first time is the hardest. I would say the first card is the hardest to get in the US, and once you get one, time takes care of the rest.

There are roughly four ways to get your first card.

1) A card from your primary bank that you deal with at school/work

If you're an international student, you probably opened a checking account with the bank you use the most at your school because they have an ATM there. You may also use a small local bank or credit union in your area, but most likely you have an account with one of the big banks like Citi, Bank of America, Wells Fargo, or PNC.

Your best bet for your first credit card is to apply for and get a student credit card from one of these banks, or the most basic no-annual-fee card. The credit limit doesn't have to be high - it's okay if you only get a $500 limit.

As long as the card 1) doesn't have an annual fee and 2) is issued by a bank you've heard of at least once, like Citi, Chase, BofA, Wells Fargo, etc. They may tell you that they can't give you a card because you have no credit history, you need a co-signer, etc... but if you bring the money you brought for your initial study abroad expenses + a "promise" that you will use their bank as your primary bank in the future, ask them to give you a card, even if it's at their discretion. It's a matter of faith.

2) Chase Freedom Rise Card

If Chase is your primary bank, Chase's Freedom Rise® card is an option. It's a card that Chase launched for people who are just starting to build credit, and it's kind of like a starter version of the Freedom Flex and Freedom Unlimited cards.

The card hasn't been out that long, so I don't think there are any examples on the boards yet.

Apparently, having at least $250 in Chase Checking or Savings increases your chances of approval, so if you use Chase as your primary bank account, you might want to give it a try.

Freedom Rise (Chase Freedom Rise® Credit Card)
Basic featuresEarn 1.5 points per $1 spent. Points earned are converted to Chase UR points
A card for those just starting to build their credit history. Says having at least $250 in Chase checking or savings will help you get approved.
If you later get the Chase Dorrance card, you can combine the UR points you earned with the Rise card.
Cards with no annual fee. 
Learn MoreCard information details

3) Discover Card for Students

If your primary bank doesn't offer credit cards, student cards issued by Discover Card are said to be relatively easy to get.

Many of you have left examples on the message boards.. For the Discover card, you can apply directly from the site, but it's worth asking your fellow international students if you can get a referral from an existing cardmember to get a better bonus.

Of course, the relative ease of issuance is not a guarantee, so it's good to keep that in mind.

4) Most common method: secured card

If your bank doesn't offer credit cards right away, and you can't get a Discover Student Card or Chase Freedom Rise Card, your next best option is to apply for a secured card.

Secured card is literally a way to get a credit card by putting down a deposit. In Korea, there is also a format called jilguk setting, where you put down a deposit of 200-300 million won and get a credit limit of 90% equivalent to that amount, right? It's the same way.

I don't know of too many banks that have secured cards as a product, but I've heard that smaller banks and credit unions in your neighborhood may offer them.

Of the major banks, there are only two that I can recommend (I haven't used them myself).

One is a secured card issued by Citi bank and the other is a secured card issued by Bank of America.

  • The advantages of the Citi bank card are that there's no annual fee and you can fund your initial deposit right online. However, on the downside, there's no sign-up bonus.
  • For Bank of America A card named Bank of America® Customized Cash Rewards Secured Credit Cardis available. Similarly, it has the advantage of no annual fee and the disadvantage of no signup bonus.

US Bank used to issue a secured version of the Korean Air partner card, which is now discontinued.

4. Once you've created your first card, hang in there and write only that one card. 

Once you've gotten a credit card, whether it's a real credit card or a secured card, it's a good idea to resist temptation and stick to that one card for about six months.

It used to be that having a couple secured cards and a couple store cards (like the Gap card) could be a good thing because you'd have a diverse credit history, but now with Chase's 5/24 rule, you have to be very careful with each card.

Chase 5/24 'Regulations'is that it's very difficult to get approved for a new Chase card if you've had 5 or more (personal) credit cards in the last 2 years at the time of the card application.

If you get one card for 101 TP3T off at Gap and one card for 101 TP3T off at TJ Maxx to save $30-40, you may not get the card you really need, like the Sapphire Preferred Card or the United Affiliate Card.

So, once you get a credit card, you may not be able to buy anything expensive because you only have a small credit limit, but stick with it.

I would recommend that you either 1) pay off the entire amount before the bill comes, or 2) keep about 20% of the full limit, pay it off, and then pay the remaining amount in full when the bill comes.

5. about 6 months after your first card - Amex is easier to get than you think 

It's hard to generalize because there are so many variables between individuals, but based on the stories on the message boards, it's easier to get a "real" Amex card than you might think. Some people are actually lucky enough to get an Amex card as their first card without having to go through the two-step secured card process, and recent stories have shown that some people have gotten Amex cards in as little as three months.

Among the Amexes, I would recommend the Hilton regular card or the Delta Gold card. 

Of course, you can't just create them at any time.

Make sure you time your application well during the promotional period when the welcome bonus goes up.

  • Miles are earned as a sign-up bonus, not as redemptions, so you have to time it right.
  • Especially with Amex, you can get a "once in a lifetime" sign-up bonus for each card product, which makes it even more important to time your card well with promotions.

The two cards below are still on promotion at the time of this writing. 

1) Hilton General Card (Hilton Honors American Express Card)

There's no annual fee for this card, so it's a great card to keep around for a while, and during promotions you can get 80,000 to 100,000 points as a sign-up bonus, which is enough to get you a decent hotel night.

2) Delta Personal Gold Card (Delta SkyMiles® Gold American Express Card)

For this card, there are offers around the 80,000 mile level during promotional periods that come around a couple times a year. The first year's annual fee is usually waived, but there is an annual fee in the second year, so it's not a card you'll want to keep forever.

However, the signup bonus is fine, If you time it right these days, you can get a US-Korea business seat for around 12-13k each way.so this could be a good option for those looking to fly to South Korea.

There's a promotion going on at the time of this post, so the personal Gold card can get you 80,000 miles after spending $3,000 in 6 months.

Delta Personal Cards
Basic featuresThere are three types of Delta personal cards issued by Amex. 
Cardholders can redeem miles like cash for Delta ticket purchases. 10,000 miles = $100.
For Platinum and Reserve cards, lounge access policies and elite tier calculations are changing completely starting in 2024. 
Learn MoreGold Card English description page ($2,000 for 6 months, 50,000 miles)
Learn MorePlatinum Card English description page (63,000 per month, 60,000 miles)
Learn More Reserve card information page (65,000 per month, 70,000 miles)

3) Finally, I think some of you might find Amex's hybrid cards, the Gold or Platinum cards, useful depending on your spending patterns.

One reason is that hybrid cards (formerly called charge cards) are known to be easier to issue than credit cards.

If the promotion is good, a substantial welcome bonus offer will be another reason.

However, it's worth noting that the annual fee has gone up a lot compared to what it used to be, and it may not be easy to redeem credits to offset the annual fee.

6. Chase cards: Do I have to wait 12 months after my first card to be approved?

This is where it gets personal.

Some lucky people are able to get a Chase card as little as 12 months after their first proper card approval, but it's not uncommon to be approved after 12 months.

So, it's worth remembering that you can't apply for a Chase card until 12 months after your first credit card is issued.

Anyway, it seems to me that if you have two cards, like a secured card as your first card and then an Amex as your second card, and you open a chase card a year after the first card, you have two options.

Of course, as we emphasized earlier, you'll need to wait for the promotional period to apply. 

1) You're applying for a Sharp card. 

If you have a credit line of more than $5,000 on your Amex or other card, you'll want to start with the Sapphire Preferred Card, also known as the Sharp Cardfor the challenge.

Back in the day when Chase UR points transferred 1:1 to Korean Air, the Sharp card was a pretty self-explanatory card, but it's safe to say that its reputation has fallen from its glory days.

However, it's still a 1:1 transfer to United, British Airways, Virgin America, Hyatt points, and more, so I'd say the Sharp is probably the most accessible card for those learning the Chase points system.

The Sari card, which is Sharp's top tier card, has a $550 annual fee for the first year, so even if you consider the $300 travel credit, I'd say it's a bit of a stretch for a beginner to pursue. The sign-up bonus isn't much better than Sharp's (although I'm sure there are some people for whom the Sari is better, depending on how they redeem their points and their spending patterns).

Chase Sapphire Preferred® Card (Sharp) Chase Sapphire Preferred® Card
60,000 UR points after spending $4,000 in the first 3 months of card issuance (60,000 UR points is $600 in cash)
Convertible at a 1:1 ratio to airline miles (United, Virgin, etc.) and hotel points (Hyatt, etc.)
$50 credit each year (based on membership year) when you book a hotel with Chase Travel (SM)
The annual fee is $95 for the first year. 
A good introductory card for UR points.
Go to: Apply at the affiliate site linked on the About page

2) If you can't get a Sharp, click IHG Card  

The Sharp card has a $5,000 minimum issuance limit, which can be a bit of a bump in the road for those without a long credit history.

In this case, an alternative card to consider is the IHG One Rewards Premier Credit Card, which is a hotel card.

For IHG cards, the minimum approved limit is $2,000. ("If approved for an account, your credit access line will be at least $2000.")

I don't know the exact algorithm and criteria, but it's probably one of the easier Chase cards to get as far as minimum approval standards go.

And in the case of the IHG card, I'd say it's a good card to keep because you start getting status-capped nights in the second year.

IHG One Rewards Premier Credit Card
Basic features170,000 points after spending $4,000 in 3 months
Key benefitsAnnual night voucher (up to 40,000 points hotel redemption) upon card renewal starting one year after card issuance (starting in year 2)
Annual night stays received upon renewal can be used for stays at hotels costing more than 40,000 points at an additional point value
Stay 4 nights in a row, get the 4th night free (only 3 nights are deducted)
Earn up to $$50 back in credit each year when you enroll your card with United TravelBank.
Platinum status just for having the card (few actual benefits, no breakfast) 
Annual feeAnnual fee is $99 for the first year
CaveatsIf you already have another IHG personal card, you will not be approved for the card
For more infoYou can apply on the partner sites linked on the English page

Let's summarize.

We all get frustrated when we first apply for a card in the U.S. You might be thinking, "I'm not going to get this card because it hurts my pride," but you shouldn't. With a little help, you'll be on your way to a world of miles in no time.

It's a cliché, but starting is half the battle. 🙂 🙂 .

We've put together an infographic to illustrate what we've talked about today.

Featured image: @photocj / crowdpic

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67 Comments. Leave new

  • Dieting is the second easiest
    September 26, 2024 7:58 am

    Thanks, that's a good guide :)

    Reply
  • I know Chase has a card called Freedom Rise for students. I'm told I have a good chance of being accepted if I keep a balance of at least $250 in my account, but is this too much to ask for my first card?

    Reply
    • You are correct. I don't know how likely this is as I haven't seen any cases on the board yet, but I've added it to the body of the post in case anyone else is experiencing this.

      Thank you for the information.

      Reply
  • Hi Mamo. I've been getting a lot of questions around the topic of capitalization, so thanks for clearing that up.

    I know this doesn't apply to international students or expats, but if you have a family member or close friend in the US, I was wondering if you could get them an authorized user card as one of the ways to get your first credit. Maybe even for your adult children.

    Thanks for always sharing great information!

    Reply
    • It's called credit piggybacking, which means you're putting yourself on someone else's credit history. It's not what it used to be, but it's been known to help quite a bit.

      However, if you create too many AU cards, you'll quickly run out on 5/24, so I'd be careful with that.

      Reply
  • It's been a few years since we've had an update, so thank you.
    I gave it to my kid, who just started college, to read.

    Reply
  • Thanks for the great information. We'll add you to the list to be notified when you join the board.

    Reply
  • My freshman year of college applied in my child's name and they said to wait 7-10 days. I didn't create a separate bank account and was listed as an additional user, but this is the first time I've applied in my own name. I'll update when I get the results.

    Reply
  • Thanks amex gold card well done. I'd like to be added to your list as well.

    Reply
  • I always get good information from the message boards.
    Mamo says it won't accept Amex with a passport, but it does.
    I'm not a member right now, so I'm leaving my DP here
    Add me to your list

    Reply
  • I haven't registered yet, so I'll ask a question in the comments.
    I'm about to make a big splurge and I'm torn between the Chase Sapphire (70k + $300 offer) and the Amex Platinum (175k offer). I already have about 100k points saved up with the Agol, and about 30k with the Freedom on the Chase. I know the 175k signup for the AAPL is a 30th anniversary offer, so I think it will be lower in the future, and I have about 100k MR, so I'm wondering if I should go all in and save up for it. I'm a little worried because the 6-month, $8,000 spanning is high, so if you have any advice, I'd appreciate it ^^ And I hope to join when the next signup is available.

    Reply
  • Thank you very much for the great information. I'd appreciate it if you could add me to the list for notification of board membership ^^.

    Reply
  • Thanks for the great information. I just got a student credit card from discover with a $1500 limit, so does that mean it's best to use that card for 6 months with no delinquencies and only spend up to about 80% of the limit, like you said? You said to pay the bill before it comes out if possible, but does that mean it's better to pay it off in full before the due date and not put it on autopay?

    Reply
    • If you don't have a high credit limit on your card and you max it out and then you get a bill, you're going to report a pretty high credit utilization ratio. That's why I think it's a good idea to pay it off before you get a bill while you're building your credit history, so that you can reduce the balance on your card and, consequently, your overall credit utilization ratio.

      Reply
  • I applied for a new ink card and received a mailing dividend, but I couldn't register it because I was traveling abroad, and I registered it after 2 months.
    Is the 3 month reward spending requirement from the date the card is issued by CHASE? Is it from the time I sign up to use it?
    If I don't register at all and request a reissue, will it be for 3 months from the date of the new issue?

    Reply
  • hello,
    I'm a non-member who has been getting help all the time for a long time.
    I have a KAL Lounge voucher and would like to share it if possible, but I'm not a member, so I'm asking here.
    Twelve lounge vouchers, two per year for Skypass Visa cardholders. (expires 12/31/2024)
    Thank you for running such a great community and for all the help you provide.

    Reply
  • When I came to the US with a J1 visa around March this year, I was able to visit Chase Bank and open a checking+savings account and create a freedom rise card right away. After waiting for about half a year, I made an Amex Hilton regular card and they gave me a credit line of $5000. I want to try Sharp as my next card, but I'm still worried that I'm applying a little recklessly because it's been a year since I made the freedom card...
    Thanks for sharing, and we'd really appreciate it if you could add us to your signup notification list for the next signup opening!

    Reply
    • I think you could give it a shot if you just say you're going to get rejected, because I've seen people get approved in less than a year, although it's rare.

      Added.

      Reply
  • I got my Chase Freedom card faster than I can say I was born, and I have a vacation coming up in February, so I asked Brunch about the possibility of getting another card before then, and they were pretty positive about it. I'm going to give it a shot.
    Can you please add me to the signup notification list for the next signup opening?

    Reply
  • I've been thinking about this since my kid is going to college this year, so this is a perfect post for me.
    Let's apply for a Chase Rise box.

    Reply
  • Hi, I'm a PhD student starting this fall in the US. I am always getting a lot of information. Thank you.

    I have one question... I opened my Chase Checking and Savings at the same time as soon as I arrived in the US (July 22), and I've had my Chase Bank debit card for about 4 months now. I'm thinking of applying for the Chase Freedom Ride as my first card, since I'll have my ITIN soon, is it too much to ask?

    And there's an Amex Gold 100,000 mile offer floating around right now, so I wanted to ask you what you think about applying for this friend.

    Finally, we'd appreciate it if you could put us on your list for the next signup notification.

    Reply
  • Thanks for the great information as always
    I'm so sorry I missed it last time, but I'd love to be on the list for the next signup notification.

    Reply
  • Thank you for always sharing great information. Please add me to the list to be notified when you join the board.

    Reply
  • Thank you for your help
    I'm glad I learned about credit before I graduated from school.
    If you don't mind, we'd love to add you to the list for the next signup notification

    Reply
  • I arrived in the U.S. last July and have been getting a lot of help with everything from getting my first credit card, to buying a car as a lease hacker, to getting an SSN and planning a trip to Florida.
    I've gotten a lot of help as a non-member, and I'd like to share a little bit of my own experience, so please be sure to add me to the list for the next membership announcement.

    Reply
  • Hot chocolate
    December 2, 2024 9:57 pm

    hello. I'm thinking about getting a Hilton card about 6 months after my first card, but I'm still a little confused. If I apply for and use the Hilton Passport card first, and then apply for the Hilton regular card a year later, can I still get the sign-up bonus for each card? I'm a little confused if I can get the sign-up bonus for each individual card...
    Thank you as always.

    Reply
    • For Hilton cards, the family rule doesn't apply yet, so you can only get one sign-up bonus per card, regardless of order. This means that it's okay to apply for the Surpass first, but there's no telling how that will change in the future.

      Reply
  • Hello Milemoa, I entered the US at the end of July for my PhD program, and since then, I have been referring to your articles to learn more about Discover, and yesterday I finally opened my first proper credit card, the Amex Delta Gold. It's funny, but I'm quite impressed(?). Thanks for always sharing good articles.

    If you don't mind, could I ask to be on the next signup notification list?

    Reply
  • I've been using my credit card from BoA for 4 months now after reading this article.

    I'm still trying to decide which card to get after 6 months, but I don't travel a lot so I'm not sure which option is best for me yet 😉 I'll be reading through the reviews and studying up.

    And if possible, could you please put me on the next signup notification list~?

    Reply
    • 1. added.

      2. If you're not sure about hotel stays, I think you should focus on earning points that can be converted like UR and MR.

      Reply
  • Watermelon-chan
    January 8, 2025 4:16 pm

    I have a debit card from PNC Bank at my school, should I get my first credit card from PNC? Or should I try BOA or another bigger, more well-known bank?

    And if possible, could you please put me on the next signup notification list? It's been really helpful for me in my life in the US.

    Reply
    • I think you could try BoA, etc. but I can't guarantee approval, so if you try and get approved, great, if not, you might want to look at your primary bank.

      Added.

      Reply
  • I first created a credit card in the US with a lot of help, but I'm glad to see that it's been updated and will be helpful for first-timers. I've been lurking for a long time and I'm going to sign up next time, so I'd appreciate it if you could put me on the notification list.

    Reply
  • Caffeine addiction
    January 18, 2025 8:20 am

    Hi Milemoa,

    I'm really benefiting from your posts and the valuable information shared by other members. Please put me on the notification list for new members. Thanks as always.

    Reply
  • I'm just starting out in the US and this would be very helpful, please add me to the signup notification list. Thank you.

    Reply
  • hello. I entered the US as a J1 podac around April, got the chase freedom rise and used it for about 5 months, then got the amex delta gold around September. For some reason, I applied for the Bilt card twice (Oct 2024, Jan 2025) but got rejected ;; I'm not looking at Bilt for now and trying to make the Sharp card after the Amex Gold. I've always found Milemoa to be very helpful. Any chance you could add me to the signup notification list? Thanks.

    Reply
  • This was a great resource for creating my first credit card! Thanks for the helpful information and community. I'd love to be added to the list to be notified when you join the board 🙂 Thank you!

    Reply
  • I've gotten a lot of really good information here, so thank you. Also, could you please add me to the list for notification of board membership?

    Reply
  • hello. I'm just now discovering Milemoa after a year and a half of living in the US with F1.

    In my case, I'm living off of 3 cards, the Chase prime visa, which I applied for and was approved after seeing an ad for Amazon shopping, and the crate&barrel master, which was recommended by a furniture store employee, since my first attempt at the Chase Freedom Rise was declined, and the C&B has no annual fee, so I'm keeping it, but I don't use it, so I'm wondering if closing it will help me get other cards.

    I feel like I made the card haphazardly and wish I had known this from the beginning, but...
    I'd like to use this as a guide to play the cards wisely in the future.

    I've gotten a lot of good information from Milemoa and can't wait to share it!
    Please add me to the signup notification list.

    Reply
  • I'm looking into Visiting and Podcasting and will be living in the US, so this would be very helpful. Please add me to the signup notification list. Thank you.

    Reply
  • quotation marks
    February 4, 2025 6:26 pm

    I found this post really helpful after studying abroad in the US last summer (hopefully others will find it and start their credit life like I did!) I started with a basic no annual fee card (Customized Cash Rewards) from BofA and spent 6 months resisting temptation by remembering what you said 🙂 Now I'm trying to figure out my next step, and the information I get here is really helpful.

    As I continue to learn more, I'd like to share information as well, so I was wondering if you could add me to the signup notification list? Thank you.

    Reply

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