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How to apply for US credit card - guide for non-resident

Hello everyone,
In this post, I'll tell you about - how to apply for US credit cards without US credit history.
If you are planing to move to USA for educational purposes or any other reason, you may get a credit card this way.
To apply for US credit card, you need-
1. US Address
2. US Bank Account
3. Need Indian Passport
4. US Phone No

5. SSN/ITIN (you can apply for ITIN, if you are ready to pay 300/400$ fees. - SSN/ITIN not required for AMEX credit cards)

Getting US credit cards without US credit history is not that easy, but wait... you can apply for US Amex credit card without US credit history or SSN/ITIN number, using your Indian Credit History.
So... How to apply for US Amex Credit Card Using Indian Credit History?

1. Make sure you have a physical US address & US Mobile no.

Now,
2. Go to this link- Nova Credit [Click Here] (Use This Link & Get $50 Amazon GV After Card Approval)
3. Select India (I recently moved from drop down menu) & Enter your email ID (to receive 50$ amazon GV after card approval, for using our link)

Screenshot 2022-03-17 at 4.42.19 PM.png
4. On the next page, select any Amex credit card you want to apply for & click on "Apply Now"
Screenshot 2022-03-17 at 4.47.34 PM.png
5. On the next page, click on "Got it, take me to American Express"
Screenshot 2022-03-17 at 4.51.51 PM.png
6. You'll be redirected to Amex official website, on that page click on "Apply Now"
Screenshot 2022-03-17 at 4.55.07 PM.png
7. On the next page, enter your details, your income and tick the box- "I don't have a credit history in the US, but have had a credit card or loan in Australia, Brazil, Canada, the Dominican Republic, India, Kenya, Mexico, Nigeria or the United Kingdom. (If you have a Social Security Number, please enter it below.)"
Screenshot 2022-03-17 at 5.00.10 PM.png
8. On the next page, Amex will ask you to provide them access to your home country's credit history.
Select India from the list.
Screenshot 2022-03-17 at 5.10.27 PM.png
9. Enter your details & click on Next
10. Now enter your Indian mobile no and click on Next
Screenshot 2022-03-17 at 5.17.29 PM.png
11. Enter your Indian address and click on Next
12. Now Enter your PAN Card no and click on Next
13. Now Enter your email ID and click on next
14. On the next page, tick both box and click on agree
Screenshot 2022-03-17 at 5.28.43 PM.png
15. You will see a page like this- "Good news! We located a matching record at Transunion CIBIL"
click on Next
Screenshot 2022-03-17 at 5.37.11 PM.png
16. They might ask you some questions, answer them and click on "Transfer my credit history to the U.S."
17. On the next page, Amex will ask you for your ID proof, Select Passport & enter your Indian passport details.
Screenshot 2022-03-17 at 5.44.43 PM.png

Done!
Now Amex might ask you for additional documents or they might approve your application instantly.
If they ask you to call them, you have to call them to review your application.
Good Luck 🤞
 
Last edited:
I did recived two $50 Amazon gift cards from Nova Credit today on 29 April. But i am not sure if my card is approved or not. Please help! And also i don't know how to redeem those gift cards in india.
 

TechnoFino

Founder
TF Family
Founder
Admin
I did recived two $50 Amazon gift cards from Nova Credit today on 29 April. But i am not sure if my card is approved or not. Please help! And also i don't know how to redeem those gift cards in india.
Normally they send gv after card approval,
You have to call amex to check your card application statu.
You can not use Amazon us gv here in india.
 
is it possible that my card is not approved and i can still receive Gift Voucher from Nova credit ?
And i did recive a mail with subject "know decisions" from amex and when i open the link it took me on amex US web page where i have to give SSN and area Zip code to know decision. But i was also unable to see that as i don't have a SSN number.
 

jay

TF Select
Foreign Credit Card Expert
VIP Lounge
Hotel Loyalty Expert
Airmiles Expert
Credit Card Expert
is it possible that my card is not approved and i can still receive Gift Voucher from Nova credit ?
And i did recive a mail with subject "know decisions" from amex and when i open the link it took me on amex US web page where i have to give SSN and area Zip code to know decision. But i was also unable to see that as i don't have a SSN number.
That usually means either declined or they need more information for your application.
 
I applied online 3 days back, that is on 20th. They called me today, interestingly they did not ask any address proof.
They verified my passport, after 5 min I got mail that it's approved .
You Mean You not call amex and amex call you on your us address
 

TechnoFino

Founder
TF Family
Founder
Admin
is it possible that my card is not approved and i can still receive Gift Voucher from Nova credit ?
And i did recive a mail with subject "know decisions" from amex and when i open the link it took me on amex US web page where i have to give SSN and area Zip code to know decision. But i was also unable to see that as i don't have a SSN number.
call amex, they will help you, they might ask you for additional documents
 
Can you tell me by this?

16. They might ask you some questions, answer them and click on "Transfer my credit history to the U.S."

Does this have any negative or positive effects at all?
 
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