MBA student, no US credit history, 160K job offer. Which credit card should I apply for? Applied for Chase sapphire preferred and got rejected.

like
Posting as :
works at
You are currently posting as works at

Go to your bank where you have your checking/savings. You will probably need to get a “starter” cc and build your credit a bit, prior to getting some of the preferred CCs. Go with a no annual fee, probably best to get a cash back (most banks offer them) and after 6mo, you should be able to get most cards. I would wait until you have some evidence of income (job offer doesn’t qualify); so wait until you’ve had 2 direct deposits so that the bank has some evidence of income for underwriting.

likehelpful

What does telling us literally any of that information matter to the question?

likefunny

Thanks D2. Only included the job offer info because I heard some banks gives CC if you show them your offer so looking for advice

Bank of America! Always. I came to the US 4 years back and had the same issue but BoA took care of it.

likehelpful

Follow Ask Sebby or Credit Shifu on YouTube. They have great advice on starter cards

like

Discover actually had some pretty good cash back benefits and is pretty friendly to no credit history

like

Discover IT was a good starter card for me and has good cash back for me not having any credit at the time

like

Same thing happened to me when i tried to get the CSR. So i got the freedom first and after a while went for CSR. Its nice to have both anyway

like

Are you surprised? They’re not going to give you that kind of card with no knowledge of your spending habits and no proof of your income other than offer letter. Try something with your bank, capital one basic CC, or something. It took me getting a mortgage and a car loan, plus other good history to start getting significant limits on my CCs

like

Would support a point to go to the bank where you have checking account. Similar story, intern in 2013 and for first CC with my bank after I got full time offer. Still remember how low was the limit 😊, but it was a good start and now 5 years later I have couple of cards including CSR for 1 year.

like

Update in case anyone in the same situation finds this thread... after getting rejected from a few banks (including Petal!), I finally got approved for the Chase sapphire reserve as my first card with no credit score. The only thing I did differently was just that I called the reconsideration line and then found a really good private client banker. If anyone is going through the same struggle, DM me.

like

Nice offer, consulting firm?

Have you ever had a credit card? I used to have Amex before I moved to the us and they were happy to give me a card when I started my internship during bschool

I was in same situation and was able to get approved for a personal Amex after getting my corporate Amex. Built credit for about a year after that, then could get other cards.

Get a secured card first. You have no credit history regardless of your salary

Thanks everyone! These are all really helpful. I’m banking with Chase; if I go back right after the rejection and apply for the Freedom Unlimited would that potentially hurt my application?

Also - I think Amex has pre-approved Gold for my firm. Has anyone tried to apply for a pre-approved card with no credit history?

Did you try in person? Usually that can help if you have the written offer as well, keeping in mind you will likely have to go for freedom or freedom unlimited initially

Petal card

Digital federal credit union

Related Posts

Hey ppl,

I'm an salesforce professional. I'm looking for a job at Singapore. I have been applying for jobs in LinkedIn and few other job portals. But still I haven't got any response from any of them.. Has any of you made it to Singapore after covid in Sales force. Also any idea for applying only visa sponsorship jobs?

like

If I go to a non-HSW M7, what are my chances of getting a post-MBA offer from MBB? Just looking for offers/applicants numbers (ballpark is okay).

likefunny

I got married and do not have Marriage Certificate yet, so is Marriage Certificate mandatory for getting dependent VISA?

like

How much discretionary cash do you keep around?

like

Got an offer for 60k pounds + bonus for London location at Sr Consultant level in FS industry. How good/bad is the offer? Please suggest.

CCTC: 24lpa in India
Workex post MBA: 3.5 yrs
Total workex: 6.5 yrs

like

Is it a good idea to do an MBA if I am on H1B or should I wait until I get the green card? I don't want to go through the selection process again

like

I know there is no black & white answer, but what’s your thought process in deciding when to sell and keep the profit?

like

How should one apply for onsite jobs (preferably UK) ? Wherever I apply , I get rejected because I mark the field as YES for "I will need Visa sponsorship".

like

Do you think that I will get job offers after I pass the CPA exam? Not one compony will even give me a chance because I don’t have experience, even though I have passed some of the exams already.

like

Looking for job change Mainframe resources
Exp: 11+
Current location:Pune
Visa : valid H1B unstamped(2.6yrs exhausted)
Notice :90 days
Preferred location: Pune,Nagpur
Any leads will be appreciated,TIA

like

Anyone with systemwide upgrades to sell on American Airlines ?

like

Me the next time I’m going through TSA

Post Photo
likefunny

TC New grad Software Engineer
Base: $110k
Sign-On: $35k
RSU: $120k/3years
Relocation: $20k

Starting fresh with virtually $0 savings and $0 worth of financial literacy, whats the best course of action? any advice is greatly appreciated!

like

What are the next step after H1B petition approval? Do we have to book visa appointment or company does that on our behalf?

like

Best sign up bonus right now that is not the CSP and the Amex platinum?

like

A lot of my friends (on H1B) have bought houses in suburbs (or away from City) the past year. I really would like to stay near City (NYC). Any of you considered or have bought apartments in City area instead of huge suburb houses? Any pros and cons that you are aware of?

like

Hey guys. I recently graduated with a bach in business, a graphic design bach, and an MBA this past May. I thought this would help make me look like a stand out on job applications along w/ my international internship but I can’t get an interview for an entry level job at big companies like Deloitte, Goldman Sachs, or Leo Burnett. Should I take my MBA off my resume?? What am I missing??

like

Is there a home buying group for Seattle area?

like

Any idea what a reasonable salary is for a strategic sourcing specialist in the PNW? I currently work in allocations and graduate with a dual MBA/MS in two weeks.

like

Coin a buy ?

like

More Posts

Can anyone guide me how to switch from Microsoft to Google. MS tech stack : M365 ( Intune , Defender) Google tech stack interested in : Google workspace

like

What is the most you can make in life science strategy consultant without bringing in new clients / selling projects?

like

Hi, after each interview, the recruiting agency will call me to get feedback and ask me if we're still good on X salary?

What's a good way to not agree on a set number on these calls until I get my offer?

like

Other than Gibson Dunn, which V20ish firms have strong employment practices?

likehelpful

What are some good, possibly unique, ideas for gifts to bring to a Diwali celebration at someone's residence in the US?

Consortium applicants: Can you apply to different schools in different rounds? Eg. Three schools in Round 1 Two schools in Round 2

like

Totally disinterested in tax, have 2.5 years experience and masters in accounting. Banking and finance jobs for about 3 years before I got into accounting. I don’t like the stuff that comes along with public, such as time tracking and hours goals. A transfer to audit is low on my priority list (also tough to pull off). Just started actively looking in industry, but fear that if I continue to stay in my current position, I will get pigeonholed into tax only positions in the future. Cont...

like

I got into marketing because I thought it would be an opportunity to make good money in a field where I could still exercise my creativity, but I’ve found it to be extremely stifling and bogged down by bureaucracy. Does it ever get better?

like

How much do you keep in the bank vs brokerage?

like

Been on the bench for 2 weeks and no project in sight. How fucked am I?

like

👋 🇨🇦 McK

like

So i have been fortunate that i have managed to go through my career without the need for a degree. I was lucky enough to have been hired by one of the worlds top consulting firms, worked with a whole lot of big clients and travelled a lot. It's gotten to the point where I am not even asked about the lack of a degree on my resume. Personally though, it bothers me. I have a whole bunch of certifications in my industry…but just no formal degree. (cont'd)

like

Hi all! As part of joining formalities, Barclays requires the document showing epfo linked with Aadhar. I have not linked aadhar with epfo. Only pan linked. Is there any alternatives available?
Also I tried aadhar seeding in Umang app, that too didnt work.

like

What do you think about 5G briefs and projects?

like

After a REALLY bad week, my new neighbor bestowed this gift upon me for all the help I gave them moving in and making them feel welcome. I've never had this. It's SO HARD to find in Charlotte. Cheers!

Post Photo
like

Rough day in the office and in the mood for something that would toss me around and maybe hurt a little. Black peppercorn crusted bacon left on a smoker too long and covered in jam made from under-ripe red fruits. The 59% ABV is definitely present, and you can smell the peat smoke from across the room. The finish lasts for days. If you’re already into peated scotch but want to crank it up another level, the cask strength Laphroaigs can show you your limits. Hurts soooo good 😌

Post Photo
like

And it Begins!

Post Photo
like

Just learned that we (family account) have still been paying for Netflix's DVD service, in addition to the streaming service. Last DVD rental? 2015.

🤦‍♂️

funnylike

How much should a shift lead make west coast

like

Hello - has anyone tracked ads, or creative, date sent, etc? If so, what database did you use?

Additional Posts in All things points

I am sick of seeing these SPG Marriott posts!! Can we talk about something else for a change?

likeuplifting

I was one of the first people to get a CSR when it first came out - can I downgrade to a CSP and get the CSP bonus? Or how do I take advantage of the 100k CSP signup bonus?

like

Selling 4 AA System-wide upgrades. PM me if interested.

How does one share a Delta drink voucher? Can you just take a screenshot?

Traveling to DC for 4 days. Looking for Marriott with parking and maybe concierge lounge functioning. Anyone use a Marriott recently they can recommend?
Open to other suggestions too. Thanks

like

What is everyone doing with corporate card Amex rewards annual fee? Is it waiveable since there’s no travel?

like

Will end up at 65 Marriott nights for 2018. What would you select for your annual choice benefit? 5 elite night credits or is that pointless?

likefunny

Has anyone been offered a status buy-up for 2021. ~$1700 short of United 1k this year and think my travel will increase a good bit starting next year. Think it could make sense, especially given the 2021 thresholds

like

Amex Platinum Users - How does “no preset spending limit” get reported to the credit bureaus? Just got approved and 6 months ago my credit was around 580 so this is a huge achievement for me, but I’m also obsessed with maintaining my credit score now. Google has not been helpful; too many answers are no answer. Thank you!

like

I am AA Platinum Pro, for international travel on AA, is there extra baggage allowance or not? Weight wise or piece wise? Oneworld website says ‘yes’ and AA website says ‘no’

Staying at a Hilton currently and have had tons of minor issues in the 3 days We’ve been here. Room wasn’t ready for 45min after check in time, AC did not work, maids did not clean room...continued

like

Extension of Marriott status!! Rejoice!

like

Does anybody have a referral link for Amex Platinum? - has to be UK based

like

Can I simply upgrade from Amex Blue Cash Preferred to Amex gold? Or would both just be open at the same time since one is technically a charge card?

like

On a credit file, do multiple credit cards from the same issue count as multiple accounts or is that issuer counted as a single account regardless of how many cards

like

People at EY not use the corporate card? The expense system is horrible. But might not be worth using my Marriott card...

like

Hotel recommendations in Sydney and Melbourne?

like

Does CSR earn 3x points at bars on drinks?

like

Is the a black market for rewards points? I want to get rid of my delta points for either American or Marriott points

like

Currently have chase sapphire but thinking of switching to Reserve. Should I?
Wife will also be authorized user, we do travel and will use this card for all our purchases

like

New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here

Share

Embed this post

Copy and paste embed code on your site

Preview

Download the
Fishbowl app

See what’s happening in your industry
from the palm of your hand.

A phone with Fishbowl app

Scan your QR code to download
Fishbowl app on your mobile

Download app

Sign up for free to view this conversation on Fishbowl

By continuing you agree to Terms of Use and Privacy Policy

Already have an account? Log in

Sign up for free to continue using Fishbowl

By continuing you agree to Terms of Use(New) and Privacy Policy(New)
Messaging rates may apply

Already have an account? Log in

For account settings, visit Fishbowl on Desktop Browser or

General

Legal