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@Calgary

I heard from my co-worker AMEX you can do the same too. And I don't think you can get a US Citibank Card with your Canadian AMEX card. You have a better chance to get a US AMEX card with your Canadian one.

jeffrey815(Smartiecat)
本文发表在 rolia.net 枫下论坛Here is my process for Citibank.

1. Applied online.
2. Received rejection letter, expected, since no credit record. Rejection letter has to give you a chance to appeal.
3. Now you know where to send your appeal. Photocopy your AMEX card. Photocopy the earliest statement possible and the latest statement to show you how long you have had with AMEX. (Citibank card has a Member since 2001 on the card so no need to photocopy statement.) Photocopy the most recent pay stub. Attach your boss' business card. Write them a explanation letter asking to reconsider (very brief, tell them you like their cards in Canada and you had been a member for X years, would like to continue to do business with them in the US. )
4. Photocopy your Canadian credit report if you have one. ( I didn't have one so didn't include this one).
5. I got my card two weeks after appeal.

Credit report is important but if you can convince them that you can meet your obligations when due, they are happy to issue you a card.

And don't bother to ask their online rep because they all tell you impossible. These are considered special cases for their credit department to approve. You have to put everything on papers and give supporting documentations.

Good luck.更多精彩文章及讨论，请光临枫下论坛 rolia.net
(#2501274@0)
Last Updated: 2005-9-13
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Replies, comments and Discussions:

  • 枫下茶话 / 美国话题 / 请教各位: 怎样在美国最快地建立credit? 哪家的信用卡最好申请? 没信用的日子不好过啊, 谢谢! -nix(别了多伦多); 2005-9-13 (#2499548@0)
    • citibank -ustax(roliatax); 2005-9-13 (#2499574@0)
    • HSBC -holly(举头望里面); 2005-9-13 (#2500557@0)
    • Apply for a citibank credit card when you are in Canada. I got my approval of a US citibank platnium card in the US based on the credit history of my Canadian citibank credit card. -jeffrey815(Smartiecat); 2005-9-13 (#2500591@0)
      • 说详细点行吗?你是说你还没去美国,就申请到了卡?没美国地址,没有社安号,在那儿没工作还能申请? -yasu(骷髅石); 2005-9-13 (#2500596@0)
        • Of course I have a US address. I am working in the US. -jeffrey815(Smartiecat); 2005-9-13 (#2500615@0)
          • 两边的信用记录不是互相不接受的吗？ -onlyi(onlyi); 2005-9-13 (#2500649@0)
            • 是的，加拿大美国两边的信用记录互相不接受。 -ustax(roliatax); 2005-9-13 (#2500656@0)
            • My point is based on my personal experience. I applied for a US Citibank Diamond Preferred Rewards card with a photocopy of my Canadian Plantium Driver's Edge credit card. I got approved with $5000 credit limit. -jeffrey815(Smartiecat); 2005-9-13 {112} (#2500732@0)
              At that time, I have no US credit records what so ever. I even need to pay 150 deposit for opening a cell phone.
        • 申请加拿大的先，等到了米国再用加拿大的这个来refer申请米国的卡，因为是同家公司，比较容易通过加拿大的信用拿到米国的卡。Got it? -wormcc(虫虫); 2005-9-13 (#2500647@0)
          • 加拿大美国两边的信用记录互相不接受。 -ustax(roliatax); 2005-9-13 (#2500654@0)
            • 是同家公司也没有用。 -ustax(roliatax); 2005-9-13 (#2500657@0)
              • 是信用卡公司的人告诉我的。 -ustax(roliatax); 2005-9-13 (#2500662@0)
                • #2500732 -jeffrey815(Smartiecat); 2005-9-13 (#2500929@0)
                  • 你是对的。 我拿到第一个citibank信用卡时也是在美国没有信用记录。其他银行说不承认我在其他国家的信用记录（出示我在其他国家的信用卡也没有用）。但citibank第一次就给了我比较大额度的信用卡。 -ustax(roliatax); 2005-9-13 (#2500951@0)
            • 偶的经验和Jeffrey类似，开始也是谁都不给偶，连开户银行都把偶剧了，真没天理。后来一次偶然的机会，加拿大的costco员工说如果偶有他们的Amex，就可以在米国的costco拿到同等的信用卡。偶就这么做了，然后就拿到了第一张US的卡。 -wormcc(虫虫); 2005-9-13 (#2501302@0)
          • 你这是想当然吧,申请卡的时候,别人根本不问你是不是有别的citibank的信用卡.以前我还有citibank japan的卡那,根本用不上. -yasu(骷髅石); 2005-9-13 (#2500658@0)
            • #2500732 -jeffrey815(Smartiecat); 2005-9-13 (#2500928@0)
            • #2501302，btw，偶从不把想当然当事实说。 -wormcc(虫虫); 2005-9-14 (#2501306@0)
    • Canada bank accepts US credit history but US banks do not accept Canadian history. -cerboros(Once Upon Great King); 2005-9-13 (#2500660@0)
      • Yes. -ustax(roliatax); 2005-9-13 (#2500663@0)
    • 谢谢各位答复. 看来要去试试Citibank 了, 在加拿大用了AMEX 那么多年, 居然来了美国给毫不留情地拒了, 气坏了. -nix(别了多伦多); 2005-9-13 (#2501190@0)
      • I heard from my co-worker AMEX you can do the same too. And I don't think you can get a US Citibank Card with your Canadian AMEX card. You have a better chance to get a US AMEX card with your Canadian one. -jeffrey815(Smartiecat); 2005-9-13 {1256} (#2501274@0)
        本文发表在 rolia.net 枫下论坛Here is my process for Citibank.

        1. Applied online.
        2. Received rejection letter, expected, since no credit record. Rejection letter has to give you a chance to appeal.
        3. Now you know where to send your appeal. Photocopy your AMEX card. Photocopy the earliest statement possible and the latest statement to show you how long you have had with AMEX. (Citibank card has a Member since 2001 on the card so no need to photocopy statement.) Photocopy the most recent pay stub. Attach your boss' business card. Write them a explanation letter asking to reconsider (very brief, tell them you like their cards in Canada and you had been a member for X years, would like to continue to do business with them in the US. )
        4. Photocopy your Canadian credit report if you have one. ( I didn't have one so didn't include this one).
        5. I got my card two weeks after appeal.

        Credit report is important but if you can convince them that you can meet your obligations when due, they are happy to issue you a card.

        And don't bother to ask their online rep because they all tell you impossible. These are considered special cases for their credit department to approve. You have to put everything on papers and give supporting documentations.

        Good luck.更多精彩文章及讨论，请光临枫下论坛 rolia.net
        • OMG. 原来这么复杂啊, 看了你上面的帖子还以为很简单, 谢谢你打了这么多字告诉我. ;-) -nix(别了多伦多); 2005-9-14 (#2501336@0)
      • #2501302 -wormcc(虫虫); 2005-9-13 (#2501304@0)
    • 很难吗？我第一次去HSBC开户，把带来的银子全存进去，手续快办完时，那个agent说恭喜你，系统自动批准了你的master card, 不过额度很低就是了. :P -holly(举头望里面); 2005-9-14 (#2501890@0)
    • if you are in east. apply commerce bank. their debit card have VISA functionality. Just not credit history been record. -xiangwei00(纽约小子); 2005-9-14 (#2502710@0)
      • Most banks are like that. My debt card is a visa debt card. But I don't like it at all. No rewards. -jeffrey815(Smartiecat); 2005-9-14 (#2502712@0)

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