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)


4. On the next page, select any Amex credit card you want to apply for & click on "Apply Now"

5. On the next page, click on "Got it, take me to American Express"

6. You'll be redirected to Amex official website, on that page click on "Apply Now"

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.)"

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.

9. Enter your details & click on Next
10. Now enter your Indian mobile no and click on Next

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

15. You will see a page like this- "Good news! We located a matching record at Transunion CIBIL"
click on Next

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.


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 🤞

 

[TechnoFino]

Even this page has an option is you do not have SSN

View attachment 499

this doesn't work correctly, tried already.

 

[fatehbajwa]

What are the benefits of Amex US card?
Can someone help?


I have Charles Schwab account for my stocks and will apply though that. I will get 1.1 cent per point so joining bonus will be $1100 , which can recover the cost.

Can I use this card for regular spends like any other card that I use in INDIA

Yes. But I’m still able to login using the same email id and password. Past months statements can also visible. Everything from Personal Information section has disappeared.
Called up the concierge and confirmed its closed. Just that Username and password will remain active.

So i tried to signup using another email id , phone number and a new address. After submission of and documents it was shown that my application is currently being reviewed. They mentioned they would demand additional documents, most probably its gonna be some kinda address/residency proof.

Hi Jafar............What's the update?
I too closed my Aeldra account and am waiting to see how it proceeds for you before taking the next step.

 

[shubhamagr9]

Yes, you can use the card in india... you don't have to pay markup fees.

Oh wow... it's a great card then...will apply and hopefully get approved.

 

[shubhamagr9]

Is it a brokerage account? Could you tell us how did you open that account?

Yes, I work at NVIDIA and the company opened the A/C for me.

 

[shubhamagr9]

You have Charles Schwab International variant or USA variant?

Schwab One International® Account.

not the US variant.

 

[TechnoFino]

Schwab One International® Account.

not the US variant.

I'm not sure if they offer amex schwab platinum to international clients, try your luck and let us know 🙂

 

[ZappyRed]

Call them... it's still under process... call them after 8 pm Indian time.

Dear xxx xxxxxxxxxxxxxxx, We hope this e-mail finds you well and in good health. . It is a privilege for Aeldra to have you as a customer and we thank you for choosing to bank with us. As a U.S. Bank, we have the ability to provide a U.S. based bank account across borders – our borderless banking commitment to all our customers and ensure that it is compliant with all U.S. banking regulations. This requires that we periodically request information from you to comply with the U.S. Government Bank Secrecy Act (BSA) regulation. This information requirement applies to all Aeldra accounts and is not unique to your account. May we request your assistance in providing the information listed below at your earliest convenience. If you have questions, please call us at +1-844-333-3101 or e-mail us at concierge@aeldra.com . Please e-mail the documents to secure.docs@aeldra.com. Thank you in advance for your assistance in this matter. *Please provide documents that validate your address on or before 12 May 2022 else your account may be suspended.​ Below, we have provided some examples to help you determine the documents that may be most relevant and convenient for you to send Address Validation Examples. Any one of the following: Passport NYC Card Utility bills (Cannot be older than 60 days). Driver’s license with address. Liquor Card If you have any questions, please don't hesitate to call or email - contact details are below. Thank you, and take care, Team Aeldra. Email: concierge@aeldra.com Call us:+1-844-333-3101​ @TechnoFino This is the email that I got after opening Aeldra account after 3 months. Now that I didn't have any US aaddress proofs, what should I submit them? Reply please.

 

[ZappyRed]

Dear xxx xxxxxxxxxxxxxxx, We hope this e-mail finds you well and in good health. . It is a privilege for Aeldra to have you as a customer and we thank you for choosing to bank with us. As a U.S. Bank, we have the ability to provide a U.S. based bank account across borders – our borderless banking commitment to all our customers and ensure that it is compliant with all U.S. banking regulations. This requires that we periodically request information from you to comply with the U.S. Government Bank Secrecy Act (BSA) regulation. This information requirement applies to all Aeldra accounts and is not unique to your account. May we request your assistance in providing the information listed below at your earliest convenience. If you have questions, please call us at +1-844-333-3101 or e-mail us at concierge@aeldra.com . Please e-mail the documents to secure.docs@aeldra.com. Thank you in advance for your assistance in this matter. *Please provide documents that validate your address on or before 12 May 2022 else your account may be suspended.​ Below, we have provided some examples to help you determine the documents that may be most relevant and convenient for you to send Address Validation Examples. Any one of the following: Passport NYC Card Utility bills (Cannot be older than 60 days). Driver’s license with address. Liquor Card If you have any questions, please don't hesitate to call or email - contact details are below. Thank you, and take care, Team Aeldra. Email: concierge@aeldra.com Call us:+1-844-333-3101​ @TechnoFino This is the email that I got after opening Aeldra account after 3 months. Now that I didn't have any US aaddress proofs, what should I submit them? Reply please.

@TechnoFino This is the email that I got after opening Aeldra account after 3 months. Now that I didn't have any US aaddress proofs, what should I submit them? Reply please.

 

[TechnoFino]

@TechnoFino This is the email that I got after opening Aeldra account after 3 months. Now that I didn't have any US aaddress proofs, what should I submit them? Reply please.

Close your aeldra account and try opening the account using us address, they don't ask for proof if you use us address while opening the account

 

[ZappyRed]

Close your aeldra account and try opening the account using us address, they don't ask for proof if you use us address while opening the account

@TechnoFino I used USA address. They didn't even accept Indian address.

 

[TechnoFino]

@TechnoFino I used USA address. They didn't even accept Indian address.

This means you have us address on aeldra ac already 🤔

 

[shubhamagr9]

Applied for Amex Plat.

They are asking for Address proof. Aeldra Bank A/c will work and they can call the bank with me over the conference and verify my address and let me know the decision for the Card.


The only issue is that my Aeldra Account hasn't been opened yet. Due to overenthusiasm and hope that they will not ask for anything, I applied for Amex before Aeldra.
It's been 3 days (mostly holidays). Is this usual to take this much amount of time?
I called Aeldra service and they said, they will update me in 12 hours.



Any other bank/ address proof that I can get instantly without using Aeldra?

 

[TechnoFino]

Applied for Amex Plat.

They are asking for Address proof. Aeldra Bank A/c will work and they can call the bank with me over the conference and verify my address and let me know the decision for the Card.


The only issue is that my Aeldra Account hasn't been opened yet. Due to overenthusiasm and hope that they will not ask for anything, I applied for Amex before Aeldra.
It's been 3 days (mostly holidays). Is this usual to take this much amount of time?
I called Aeldra service and they said, they will update me in 12 hours.



Any other bank/ address proof that I can get instantly without using Aeldra?

open Aeldra with us address, you will get it easily and submit your Statement to amex, amex can't Call Aeldra and get your address verified. I have tried that step.

 

[shubhamagr9]

open Aeldra with us address, you will get it easily and submit your Statement to amex, amex can't Call Aeldra and get your address verified. I have tried that step.

Got this in the mail today. What should I do?



Dear SHUBHAM AGARWAL,

Thank you for applying to Aeldra.

We have been overwhelmed by the large number of applications and really appreciate your patience.

We have reviewed your application and require additional documentation to comply with U.S. KYC regulations. While most of our customers go straight through to open an account digitally, a portion do require a manual review.

We appreciate your assistance as we process your application.

To help us complete processing your application, please send us either a scanned copy or a clear photograph of a valid document (Driving License(with US address) / Liquor ID Card / NYC Identification Card) at secure.docs@aeldra.com.

Your Aeldra Concierge.
There to help you, 24X7.​

 

[jay]

Schwab One International® Account.

not the US variant.

The Schwab One is an international brokerage account and has nothing to do with their bank account or credit card account. It can be opened by anyone with an Indian Password and Indian Address.

 

[shubhamagr9]

The Schwab One is an international brokerage account and has nothing to do with their bank account or credit card account. It can be opened by anyone with an Indian Password and Indian Address.

Yes, but a minimum deposit of US$25,000 is needed to open this, which was not needed for me
They do provide a linked checking account and debit card too.

 

[TechnoFino]

Got this in the mail today. What should I do?​

​

​

​

Dear SHUBHAM AGARWAL,​

​

Thank you for applying to Aeldra.​

​

We have been overwhelmed by the large number of applications and really appreciate your patience.​

​

We have reviewed your application and require additional documentation to comply with U.S. KYC regulations. While most of our customers go straight through to open an account digitally, a portion do require a manual review.​

​

We appreciate your assistance as we process your application.​

​

To help us complete processing your application, please send us either a scanned copy or a clear photograph of a valid document (Driving License(with US address) / Liquor ID Card / NYC Identification Card) at secure.docs@aeldra.com.​

​

Your Aeldra Concierge.​

There to help you, 24X7.​

You don't need Aeldra a/c, as you already have Schwab ac... and I guess you have linked checking ac. if amex ask you for address proof, tell them you have CS account, will call Charles Schwab to verify your address.

 

[Khaiz]

Got this in the mail today. What should I do?​

​

​

​

Dear SHUBHAM AGARWAL,​

​

Thank you for applying to Aeldra.​

​

We have been overwhelmed by the large number of applications and really appreciate your patience.​

​

We have reviewed your application and require additional documentation to comply with U.S. KYC regulations. While most of our customers go straight through to open an account digitally, a portion do require a manual review.​

​

We appreciate your assistance as we process your application.​

​

To help us complete processing your application, please send us either a scanned copy or a clear photograph of a valid document (Driving License(with US address) / Liquor ID Card / NYC Identification Card) at secure.docs@aeldra.com.​

​

Your Aeldra Concierge.​

There to help you, 24X7.​

Same here. Received the same

 

[jay]

So everyone has gone ahead and applied for an Aeldra account with a US address and this probably got flagged and now they are asking for additional verification. I think anyone applying moving forward should expect this to be the case.

 

[fatehbajwa]

So everyone has gone ahead and applied for an Aeldra account with a US address and this probably got flagged and now they are asking for additional verification. I think anyone applying moving forward should expect this to be the case.

Now what, guys?
Any thoughts on this issue?
Anything...anyone?