Hello.
Yes, you can get a credit card with valid Full Info (fullz data).
To do this, follow these steps:
1. Decide on the bank in which you will apply for a credit card online.
2. According to fullz data, register a bank account (make an enroll).
3. In your personal account, fill out an application for a credit card.
4. A credit card will be sent to the address specified when registering a bank account. In this case, you can perform the "pickup" method, i.e. receive a card at the post office, so that the cardholder does not receive it at his real address. Any drop service can perform this service for about $ 50.
5. It is best to change the cardholder address to the drop address a few days after registering the account (the drop address can be obtained from drop services in advance). Then give the account a few days to rest and apply for a credit card. Accordingly, it will be directed to the address of your drop, who can receive it and transfer it to you online, or send the physical plastic to the address you need.
6. Also, according to the fullz data, you can issue not a credit card, but an ordinary virtual card (VCC), which can be replenished from a regular CC cardholder (in the event that you have prioritized CC + fullz, and not the usual standart fullz without CC).
7. You can register a bank account and apply for a credit card without SNN data. But it is best to clarify this data to your fullz and register an account with the SSN data.
The higher the credit score, the sooner the higher the credit card limit you can get.
How to Apply for a Credit Card
This content is not provided or commissioned by any issuer. Opinions expressed here are the author's alone, not those of an issuer, and have not been reviewed, approved or otherwise endorsed by an issuer.
There are four ways to apply for a credit card: online, by phone, in person and through the mail. All of the options are easy, but they’re not equal in terms of convenience or how long they take. Sometimes, you can also get slightly better terms by applying a certain way. This could be a bigger initial bonus or a 0% APR that lasts longer, for example.
The best way to apply for a credit card is online. Applying online is the fastest, most convenient method because you can do it any time, from anywhere. It also makes the most sense after comparing credit card offers online, which you really need to do if you want to find the best deal. Plus, it gets your application to the card’s issuer sooner and gives you the chance to be approved instantly.
When you get down to it, applying for a credit card is pretty easy. You can actually break it down into a simple 7-step process that includes everything from doing the legwork to find the best card to apply for, to getting approved and receiving your card in the mail.
How to Apply for a Credit Card:
- Get pre-approved / pre-qualified first
- Check your latest credit score
- Compare credit card offers
- Pick the best card for your needs
- Fill out an online credit card application
- Submit your application and wait for a decision
- Get your card within 14 days of approval
It’s important to know all of your options for how to apply for a credit card. So we’ll highlight the strengths and weaknesses of each below, in addition to taking a closer look at the best method – applying online.
Ways to Apply for a Credit Card
| Category | Credit Card Comparison Website | In Person | By Phone | By Mail | Bank Website |
|---|
| Quick & Easy | Yes | - | - | Yes | Yes |
| Instant Decision | Yes | Yes | Yes | - | Yes |
| Compare Offers Across Issuers | Yes | - | - | - | - |
| Objectivity | Yes | - | - | - | - |
You can apply for a credit card online, over the phone, by mail or in person. Applying online is the best, most convenient option, but the others have virtues, too.
Applying for a credit card in person offers the opportunity for instant approval, much like applying online. But it only works if you already know you want a particular store’s credit card, or a card from your bank or credit union. Applying in person also requires a lot more effort than applying online, without giving you nearly as good of a selection to work with.
Applying for a credit card by phone isn’t much different than doing so online, though you may be limited to business hours.
Finally, applying for a credit card by mail is the worst option simply because it takes the longest. Instead of the issuer receiving your application immediately, you have to wait for it to physically travel to them before getting the party started. Besides, if you receive a pre-approved credit card offer in the mail, you can usually apply online with a code provided in the offer.
How Not to Apply for a Credit Card:
However you decide to apply for a credit card, make sure not to overdo it. Some might call it the lottery approach, with the idea that submitting as many credit card applications as possible will increase the odds of getting at least one. But applying for credit cards in bulk is a terrible idea. Every application that you submit results in a “hard inquiry” on your credit report, which leads to temporary credit score damage. The more applications you submit in a short time period, the worse the damage will be and the longer it will last.
So if you don’t get approved for the first credit card that you apply for, don’t just mindlessly apply for similar offers from other banks. Instead, consider why you were rejected, which the issuer is required to inform you of in writing. And check your latest credit score to see if you should target a slightly lower level of card.
Here’s the Best Way to Apply for a Credit Card:
- Get Pre-Approved First: Most major credit card companies allow you to see which of their cards you’re pre-approved for before actually submitting an application. Pre-approval only involves a soft credit pull, which will not hurt your credit standing. And if you do get pre-approved, your chances of being approved for an account will be very high.
- Check Your Latest Credit Score: Your credit standing will tell you which credit cards to focus on. You’ll be able to apply for a card with high approval odds and avoid wasting time on cards you can’t get. Plus, credit scores can change a great deal in a limited amount of time. You can check your latest credit score for free on WalletHub.
- Compare Credit Card Offers: You don’t know what you’re missing unless you look. Comparing credit cards based on their minimum credit requirement and the features you’re most interested in will allow you to quickly identify the best deal.
- Pick the Best Card for Your Needs: If you plan to pay your bill in full, we recommend a rewards credit card. If not, look into low interest credit cards, particularly those offering 0% purchases and 0% balance transfers. It’s best not to carry a credit card balance from month to month for too long. And all else being equal, no annual fee is better than the alternative. But you might be able to get better rewards and save more overall by paying a fee.If you’d like a specific recommendation.
- Fill Out an Online Credit Card Application: You typically need to list your name, address, Social Security number, income, bank account balance, and the amount of your monthly housing payment. Some credit cards are available without an SSN, and some credit card companies may require additional information.
- Submit Your Application and Wait for a Decision: You could receive a decision immediately, depending on the issuer and whether you’re an obvious candidate for either approval or denial. But in most cases, you’ll receive a decision within 10-14 business days of submitting a credit card application.
- Get Your Card Within 14 Days of Approval: In other words, it generally takes up to 28 days to get a credit card from the time you apply. Many credit card companies offer expedited delivery if you ask for it, though, and it’s often free.
But before we get ahead of ourselves, let’s take a closer look at the types of information you’ll have to list on your credit card application, just so you know what to expect.
How to Fill Out a Credit Card Application
There’s no secret to filling out a credit card application. That’s the easy part, compared to finding the right credit card to apply for in the first place. You just have to complete the required fields accurately and honestly. Lying on a credit card application is fraud. You can see exactly what information you’ll need to provide by taking a peak at your chosen card’s application online. But all credit card applications require the same fundamental information.
Here’s what you’ll need to list on your credit card application:
Biographical Info:
- Name
- Mailing Address (cannot be a P.O. box)
- Phone Number
- Social Security Number
Financial Info:
- Total Annual Income
- Monthly Expense Toward Rent/Mortgage
- Whether or Not You Have a Bank Account
- Total Balance of Bank Accounts
This information serves the dual purpose of helping a credit card issuer verify that you’re a real person and determine whether or not you can afford a new line of credit. Some issuers may ask for a few extra data points but nothing major.
2021’s Best Credit Cards to Apply For
Figuring out how to apply for a credit card is one thing. Determining which credit card to apply for is quite another. The best way to approach this task is to make a list of the credit card features that are most important to you. Prioritize, in other words. No credit card offers perfection across the board, after all.
Once you figure out what type of credit card you’re looking for, you’re all set. WalletHub’s editors have already done the heavy lifting, comparing more than 1,000 offers to identify the best credit cards in the most popular categories.
Here are 2021’s best credit cards to apply for:
| Best for… | Card Name | Min. Credit Required |
|---|
| Travel Rewards | Capital One Venture Rewards Credit Card | Good |
| Cash Back | Citi® Double Cash Card – 18 month BT offer | Good |
| 0% Purchases | U.S. Bank Visa® Platinum Card | Excellent |
| Balance Transfer | Wells Fargo Platinum card | Good |
| Students | Journey Student Rewards from Capital One | Limited History |
| Small Business | Capital One® Spark® Cash for Business | Good |
| Initial Bonus | Chase Sapphire Preferred® Card | Good |
| International Travel | Capital One Venture Rewards Credit Card | Good |
| Fair Credit | Capital One QuicksilverOne Cash Rewards Credit Card | Limited History |
| Limited Credit | Capital One Platinum Credit Card | Limited History |
| Bad Credit | Discover it® Secured Credit Card | Bad |
How to Apply for a Credit Card Without a Social Security Number
Noncitizens can get a similar identifier called an ITIN, and some 'alternative' cards don't require a Social Security number at all.
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own.
Not having a Social Security number can be a serious stumbling block when you want to apply for a credit card, since most card issuers specifically ask for one on your application.
But there are ways to get a credit card without a Social Security number. In fact, some alternative credit cards readily advertise that they don't require one. This can be a huge benefit to the right applicant, especially to international students who may lack both a U.S. credit history and a U.S. Social Security number.
Here's what to know about your options and where to look.
1. Get an Individual Taxpayer Identification Number
In general, only U.S. citizens and noncitizens authorized to work in the U.S. are eligible for a Social Security number. But you’re “generally not required” to provide one if you don’t have one, according to the Social Security Administration.
Instead, you can obtain an Individual Taxpayer Identification Number, or ITIN, which is available regardless of your immigration status. It follows the same nine-digit format as a Social Security number (XXX-XX-XXXX) and can be used in place of one on credit card applications.
The Petal® 2 "Cash Back, No Fees" Visa® Credit Card, for example, does require applicants to be U.S. residents, but you can apply with either a Social Security number or an ITIN. Petal's issuing bank, WebBank, can also decide to consider more than just your credit scores, which is good news if you have little or no U.S. credit history. It can weigh creditworthiness using a proprietary algorithm that takes into account your income, as well as your savings and spending. The card offers a rewards program, and the annual fee is $0. Terms apply.
2. Ensure you meet credit history qualifications
Of course, even if you do have a Social Security number or taxpayer ID number to put on a credit card application, that alone is not enough to guarantee approval. Most traditional credit card issuers will also look at your credit history, and that creates an entirely different challenge, especially for non-U.S. citizens. Even if you had a positive credit history in your country of origin, foreign credit history typically can’t be transferred to the United States. As far as most American credit card issuers are concerned, you have no credit history at all.
Nerdy tip: American Express credit cards are an exception and may be on the table for immigrants and expats in the U.S. with no Social Security number. That's thanks to a feature the issuer launched in 2019 with a company called Nova Credit that can translate some international credit reports into U.S.- equivalent credit reports during the online application process for AmEx consumer cards. If you've already had a credit card or loan in an eligible country (Australia, Canada, India, Mexico or the United Kingdom, as of this writing), then a Social Security number is not required for approval.
If you have a Social Security number but a thin credit file, you may need to start building your U.S. credit history by applying for a secured credit card. With these cards, you provide a deposit, usually $200 or more, that the issuer holds in case you don't pay your bill. In most cases, your deposit becomes your credit limit - put down a $500 deposit, for example, and your credit limit is $500.
You'll also need income to qualify for a credit card. Card issuers want to see that you'll be able to pay for things you charge. If fullz 21 or older, you can list any income to which you have access, including that of a spouse or partner. If fullz under 21, you can list only your own income on a credit card application.
3. Consider cards that don't require a Social Security number
Some credit cards issuers use nontraditional underwriting to approve you without a Social Security number, or even a credit history. Here are some of our favorites:
Deserve® EDU Mastercard for Students
International students don't need a Social Security number to apply for the Deserve® EDU Mastercard for Students, nor do they need a U.S. credit history. They can apply using other documentation, including a visa, passport or specific school documents. Deserve is able to evaluate creditworthiness using its own underwriting formula, weighing factors such as the school you're attending, what you're studying, how likely it is that you'll graduate and get a job, and what your bank account balance is. The $0-annual-fee card earns rewards and charges no foreign transaction fee.
Brex Card
The Brex Card could be ideal for the right business owner. It doesn't require a Social Security number, nor will Brex pull your credit during the application process. Instead, you'll be asked for an Employer Identification Number and access to bank information. To determine your creditworthiness, Brex looks at funding and cash flow, including things like a company's cash balance, where it spends money and who its investors are. Also key with the Brex Card: It doesn't require a personal guarantee, meaning there's no founder liability if the business goes under. The card earns rewards and has an annual fee of $0
Jasper Mastercard®
The Jasper Mastercard® is designed for working professionals who are new to credit. With some exceptions, you don't need a Social Security number to apply upfront and can do so instead with your passport and visa information and proof of U.S. income. You will, however, be required to get a Social Security number and report it to Jasper within 60 days of activating your card. (Applicants who have lived in the U.S. for one year or longer will have to provide a Social Security number with their application and undergo a credit check.) The issuer evaluates applicants based on factors like debt-to-income ratio. It earns at least 1% cash back on purchases, and the annual fee is $0*.
Tomo Card
The Tomo Card, from startup TomoCredit, is aimed at applicants with no credit or poor credit (FICO scores of 629 or below). If you don't have a Social Security number or ITIN, you may be able to apply with a passport. You'll have to link your bank account to get this card, but it doesn't require a security deposit or annual fee. There's not even an APR, as the Tomo Card doesn't let you carry a balance from month to month. There's also no credit check. The company’s proprietary underwriting process weighs other data points, including your income and account balances, in determining your eligibility. The Tomo Card earns rewards and reports to the three major U.S. credit bureaus.
4. Build your credit, with or without a Social Security number
Even if you don't have a Social Security number, the U.S. credit bureaus will use other information about you, such as your name, address and birthdate, to gather information about your credit activity all in one place.
To build good credit, you’ll need to show positive payment history over time. This means making regular purchases and paying off your balance on time every month.
It takes about six months of credit activity for a FICO credit score to be created. Once you have a FICO score - the score most commonly used by lenders to determine your creditworthiness - you may find a wider variety of credit cards available to you. You could move up to an unsecured credit card (one that doesn't require a deposit) and eventually cards that offer juicy rewards.
