In order to achieve credits as an immigrant, the following two credit-building strategies can work effectively:

Credit card application in person

Getting an approval on credit card is a complex task for first-timers. However, visiting the personal bank or credit union in person to explain the scenario is always efficient. Experts say referring to any significant proof of positive credit card history in one’s home country adds more value to the application.

Spend small during early stages

Susan Shain on SelfLender said: “Though it’s a secret exactly how your credit score is calculated, we have a pretty good idea. Two things that matter greatly: your credit utilization ratio (how much of your available credit you’re using), and your payment history.”

In other words, it’s in your best interest to only make small purchases on your card—so you don’t use all of your available credit.”