on 12 February, 2015

Get a Head Start in the American Financial System

Planning for your financial life in America now will allow you to hit the ground running when you finally embark on your grand journey to your adopted home.

You may know that money in the United States works quite differently than it does at home. Instead of pulling out a wad of cash to pay for that late-night pizza, tickets to the big game or that biochemistry textbook, you’ll see that most Americans use credit cards.

A credit card is not only a convenient way to purchase school supplies and food, but a great way to build up your credit history in the U.S. Establishing good credit in the U.S. will open doors to everything America has to offer – from the ability to secure good rates on car purchases to leasing an apartment.

The problem is U.S. credit cards are not easy for international students like you to get. To get a credit card, foreign students typically have to secure a Social Security Number, which is a very complicated process.

For example, before you can apply for a Social Security Number, you’ll have to first prove your eligibility to work in the U.S. Then, after you’ve been in the U.S. for at least 10 days, you can apply.

If you pass that gauntlet, you’ll be able to apply for a “secured” credit card, which means you’ll have to put up a cash deposit before you receive a credit card.

There’s a much easier way to get a credit card, however. SelfScore exists to simplify the credit card application process for international students.

With a SelfScore, you do not need to have a Social Security Number or pay a deposit in order to secure a credit card. All you’ll need is a few minutes to complete the online SelfScore survey and a few documents to apply for a no-annual-fee credit card.

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Traditional credit scores such as FICO undervalue students due to lack of credit history. At SelfScore, our mission is to serve this deserving but underserved p


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