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Ask HN: New professionals in America, how was establishing credit?

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Ask HN: New professionals in America, how was establishing credit?

#1
Hey everyone,

Im Canadian and was a software engineer in the Bay Area with no American credit history. I couldn't be approved for a credit card and had a hard time building credit effectively for a long time.

I was wondering if other people had similar experiences and what they did to overcome them?

Disclaimer: I'm also working on solving this issue and would love to hear your experiences!

Thank you!

Re: Ask HN: New professionals in America, how was establishing credit?

#4

Credit Stacks ( https://www.creditstacks.com/ ) came to my rescue and I have been using their card since two years.

If you don't mind me asking, what credit limit did you get approved for and what features do they offer?

I applied for a discover and was approved for only $500 :(

Re: Ask HN: New professionals in America, how was establishing credit?

#5

I had that exact problem, I had to settle for a secured credit card which wasnt the best experience.. $1000 security deposit and fees. I'd could talk more in depth if you would like!

Yeah.. I definitely feel you.. I almost settled for a secured card as well, not ideal at all

Re: Ask HN: New professionals in America, how was establishing credit?

#8

Credit Stacks ( https://www.creditstacks.com/ ) came to my rescue and I have been using their card since two years.

Is there any complaints you have with creditstacks?

I have not any problems with them. I got my card in my second week in the US and have been using it since then. I did ask them for an addon card for spouse and was told that might happen in the future.

Re: Ask HN: New professionals in America, how was establishing credit?

#9

Credit Stacks ( https://www.creditstacks.com/ ) came to my rescue and I have been using their card since two years.

If you don't mind me asking, what credit limit did you get approved for and what features do they offer? I applied for a discover and was approved for only $500 :(

I was given a 5000$ limit to start with.

Re: Ask HN: New professionals in America, how was establishing credit?

#10

Earlier quoted context omitted.

If you don't mind me asking, what credit limit did you get approved for and what features do they offer? I applied for a discover and was approved for only $500 :(

I was given a 5000$ limit to start with.

Wow thats pretty good!
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