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By Ta-Chung On 09/06/01  

I am a new immigrant and a student in a 2-year college. I don't have any credit history and income. I would like to build my credit now. Can anybody give me some suggestions??



By another guy On 09/18/01  

Since there were several questions like that already, you might want to browse through the archives.

In brief, you will need an SSN first. Once you have that, you can establish your credit history. Go to your local bank and ask for "overdraft protection" - the simplest form of credit you can get from your bank.

Since you are a student, you qualify for a student card - this type of cards may be the easiest (of unsecured cards) to get.

Try also applying for a gasoline or dept store cards.

If all that fails, get a secured card for a while (you don't want to hold on to it for TOO long though because the fees are too high). In any case, plan ahead and be patient - it may take a few months.



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