It is possible to get a Citibank credit card without SSN. For certain cards, Citi will accept a copy of one of the following: passport, national ID card or other valid government-issued ID. But it really depends on your specific situation. If you don't have an SSN, the only way to apply is in a branch. So, to find the nearest branch go to: https://online.citi.com/US/JRS/pands/detail.do?ID=FinancialCenters.
Citi is actual quite hard to get approved for even secured. I had one blemish on my profile a few years ago but a score almost 700 and they denied me. I applied this month with no blemishes and a low score of 535 and they approved me. I have a lot of student loan debt which seems to be making my score lower at the moment with the credit mix that I have.
Most credit card companies let you add an authorized user without providing that individual’s Social Security Number. You only need their name, birthday and address in most cases.
But requirements vary by credit card company, and not all of them will allow you to add an authorized user with no SSN. To give you a better sense of what, exactly, is required to add an authorized user, we looked into some of the most popular issuers’ policies.… read full answer
Capital One – SSN, Birthday and Phone Number
Discover – SSN, Birthday, Address and Phone Number
Citi – Name and Address
Chase – Name, Birthday and Address
Barclaycard – Name, Birthday, Relationship to Primary Cardmember and Citizenship status
Before adding an authorized user, you should also make sure to weigh the benefits and potential drawbacks of doing so. On the one hand, it will help the authorized user build credit. And if you mess up, the authorized user can have the negative records removed from his or her credit report. On the other hand, you’re the one who’s responsible for paying the bill every month.
No, everyone does not have a credit score. More than 50 million people in the U.S. do not have a credit score right now due to a lack of credit history. Around 25 million American adults have no credit history at all, according to industry research, and roughly 28 million have unscored records because they have too few credit accounts or their accounts are too new to be included in a credit report.… read full answer
Credit history is a significant factor when determining a credit score, and is one of the main reasons why so-called “credit invisibles” do not have a score. More than 80% of 18-19 year olds don’t have a credit score because they haven’t had the time to build any credit history. Credit invisibles are also most likely to be found in low-income neighborhoods or be recent immigrants to the United States.
These credit invisibles are still able to make payments and function in an increasingly credit-driven world, even if they lack credit history and a credit score. They may live a cash-focused lifestyle or borrow from lenders that don’t report to the credit bureaus. But not having any credit can also make life a lot more difficult by preventing people from borrowing at attractive rates as well as limiting housing and employment options.
If you aren’t sure whether you have a credit score or not, it’s easy to find out. WalletHub offers free credit reports and free credit scores updated daily, letting you see what exactly is going on with your credit. You’ll also get personalized tips for improving your credit standing and an estimate of how long that might take.
You can’t just sign up for a credit card. No credit card offers guaranteed approval, and millions of Americans get rejected for one each year. Rather than sign up for a credit card, you have to submit a credit card application and hope to get approved after the issuer reviews your credit history, debt, income and more.… read full answer
Applying for a credit card is almost as easy as just signing up, though. You can submit a credit card application online in a matter of minutes and get approved nearly instantly if you exceed the card’s requirements. So you could have a new card in your hands in 7-10 business days.
Here’s how to “sign up” for a credit card:
Research your options: When shopping for a credit card, take your lifestyle and spending habits into account. Are you new to credit? A student? A business owner? Are you already in debt? Do you plan to pay in full every month? Answering those questions will help you decide whether to focus on rewards, 0% financing, $0 fees or just getting approved. You can use WalletHub’s credit card comparison feature to help narrow down your choices.
Assess your creditworthiness: Credit card companies often present their cards as being for “excellent,” good,” “average” or “rebuilding” credit. So checking your latest credit score and report for free on WalletHub can help you determine which card to apply for. Check for signs of fraud or mistakes by the credit bureau and dispute any that you see. If you’ve never opened a credit card or taken out a loan, you may not have a score or report yet. In that case, focus on cards for limited credit.
Fill out the application: An online credit card application takes only a few minutes to complete. The application will ask for basic personal information like name, address and date of birth. It will also ask for financial info like employment status, income, housing status and expenses.
Wait for a decision: Once you’ve submitted an application online, you’ll either be approved or denied. Or, the application will go into pending status. If it’s pending, expect a decision in 1-2 weeks. You should receive your card within 7-10 business days of being approved for an account. It may be possible to expedite the shipping for free (or a small fee).
Request a reconsideration if denied: If your application is denied, you’ll receive a letter stating the reason(s) why. If one of those reasons is inaccurate or based on out-of-date information, contact the issuer and request reconsideration. This can give you a chance to explain the situation and remedy any issues.
“Signing up” for a credit card isn’t the right lingo because there is some risk involved. But the process can be very easy if you take the time to pick the right card to apply for.
Finding the right card is actually the hardest part. Fortunately, there are plenty of new tools making that simpler than ever. For example, you can check for credit card pre-approval online to make sure you’re a good candidate for a particular card before applying for real. You can also check your approval odds for any credit card by signing in to your free WalletHub account. Both options are risk free and won’t cost you anything, either.
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