DeeTus:
Congrats. Transfering to another school doesn't require you come home and also you had some cogent reasons.

Congrats once more.

slimmy05:
you still need a statement of account, yes you can use distant uncle in as much as they have sufficient funds

SantaClause:


Yes you need SOA even if you have full scholarship...just to enable them you not just depending on there scholarship you have your little money just incase table turn lol

Folabii:



I am intending to reapply soon, I am going for masters programme I really need someone to put me through the interview process.

Folabii:



I am intending to reapply soon, I am going for masters programme I really need someone to put me through the interview process.

slimmy05:
Spidyy congrats

bigfrancis21:
Who hasn't gotten a credit card yet? Or have you applied and you were denied? Or you would like to add another credit card to an existing one that you have?

Credit card applications are often very tough for foreign students in the US because they often lack a prior credit history to get their applications the approved. But if applying through a direct/referral link, it is easier and you are often approved immediately.

For every international student, after opening a bank account and obtaining your SSN the next necessary step is to obtain a credit card to start building your credit history to be able to buy a car or house after graduation.

To apply for a credit card, you can send me a blank email using your email and I will send you the direct link for instant approval. $50 cash bonus will also be given to you after application. I was recently approved for a $3,000 credit card.


This is for those already in the US who have an SSN and are in school.


Bros you are truly an igbo man...the spirit of nlekota nwanne na nwanne..Onyewanyi gbaa gi ume!

penroll55:

thanks but most of those reasons were just cooked up to make it look sweet for the VO, of which others can make up good reasons also

HoneyBronzed:
So passport was in DHL since last week and ttaveldocs tracking site is showing that my passport is still in the embassy.

zeezahbee:
I know right. Once he said the approval is 3k, I was thinking credit history should be move fast.

I want to build it to get a car and some other stuff. I figured credit helps a lot

DeeTus:
Well, I'm gonna devote some of my time for you if you're more open. Your transcript here looked incomplete.

Also you need to pray for luck in everything you do and please do not tell people about your moves for some of them are not happy with you and can only pretend to be so to speak.

You'll surely get your visa next time!

Alani55:
I was denied today by that Chinese guy. Dude didn't give me concrete reasons for denial.

Me: Good morning
Chinese guy: yes morning. Pas your document s please.
Chinese guy: why are you going to the US
Me: going for my masters program in University of Illinois
Chinese guy: what course?
Me: public administration (specializing in planning and economic development)
Did you have your bachelors degree here in Nigeria
Me: Yes
Chinese guy: so why this school?
Me: this school has an excellent Public administration program. Cos the curriculum is well structured and ....( the guy just started squeezing face like he has heard this kind of flow before) then he cuts me
Have you travelled out of Nigeria before?
Me: no
Chinese guy: Are you married?
Me: no
Chinese guy: Do you have kids?
Me: No
Chinese guy: so who's paying for this?
Me: my mom
Chinese guy: what does she do? Can I see her statement
Me: passes statement to him then told her what she does
Chinese guy: *looks at the fixed deposit statement of 5m and then passes it back then looked at then looks at the other saving like 2.5 m and then asks that when and where did I get the statement.
Me: I explained
Chinese guy: I'm sorry you re not qualified this time for ... blah blah

He handed me the form and don't give me reasons for denial. Plus, the way the my were handing out denials today like fliers. I don't even know what the next step is

Folabii:


I choose the same course for my masters that's public administration I have been having hard times was interviewed twice.

zeezahbee:
3k Na debt ooo anyways abeg send me d link. Zeezahunique at yahoo dot com, thank you

The one I was seeing wanted to give me $300 so I just stick to my debit jejely. The $300 Is too small for me

Will they actually approve me for 3k Since am a first timer ?

I actually need to build my credit before December.

kobe79:


Sweetie,

if you have bin living"fine" and finding your way around without it. better RUN away from it.
if your priority is car and other stuffs in order of preference you better save save save( from whatever means) by december you should be able to comfortably pay for a cash car.

Dont get. meshed in the American gbese system!!!!!!!!!!!!!

credit card benefits doesnot outweigh a disciplined, cut to coat savings culture dont forget the way credit card ststem is run is "casino" addictive ( hope u understand that)
the real purchasing power lies in your securing a good job and staying financially disciplined!

People habitually on credit cards are not the "big men" the big boys are those with raw cash in the bank
no matter how "small"

amanze15:
hahahahhaha use Fidelity bank and ur story would never be the same! u better collect a visa gold card from fidelity bank if u can, just collected PTA for 199.50 true fidelity indeed

stevecrun:
straight talk!!Wise people don't depend on credit to buy a car or a home..I like your writeup bro..

kobe79:
@ above

Nothing comes as emergency/surprise to those who save, plan and are conscious of the future.

i know it is more difficult for intl student as per jobs and thst is reason why that CAtegory doesnt NEED it.

Say for eg you get a call from home and you cannot comfortably pay for a ticket comfortably from your pocketthen there is a big problem with your purpose and vision as per the American dream

Referral bonus one gets is not enough motivation to get a category of people into what they do not NEED

bigfrancis21:




You may think you sound 'wise' in your write-up but you are merely projecting your unfounded fears about using a credit card. Maybe it is your fear that you are not disciplined enough to use a credit card wisely that you project that fear onto others.

I don't know where you are, whether in Nigeria or in the US, but I must admit that your write-up is totally uncalled for. Anybody who is used to the american system knows that a credit histor

mbeenox:


What's the advantage of Visa Gold card, I just open account for fidelity but them no gimme PTA shasha
Bros Come exchange some $ with me nah

kobe79:


it doest matter where i am but i ve lived in country long enuf to know that intl students donot need it.

btw idont use it either. call it whatever you wanna call it. i have heard people call me worse but then again i look at my life and theirs i just smile and thank God

akin3102:
I thought is supposed to be a matured argument where we can all learn but you took it personal man.

bigfrancis21:

You may think you sound 'wise' in your write-up but you are merely projecting your unfounded fears about using a credit card. Maybe it is your fear that you are not disciplined enough to use a credit card wisely that you project that fear onto others.
I don't know where you are, whether in Nigeria or in the US, because I rarely come on here recently I must admit that your write-up is totally uncalled for. Anybody who is used to the american system knows that almost everything you do in this country depends on your credit history. From banks, to house application to job applications. To apply for government jobs here in DC, you MUST have a credit history. To rent certain apartments, the landlords NEED your credit history. To buy a car or house (often on loans from the banks), the banks need your credit history, which if you don't have they deny your application except you get an american with solid credit history to co-sign for you, just in case you default on your payment, they have someone to go to. Nobody in this america will be willing to co-sign for you except your parents (which is majority of co-signing cases in the US). To serve in the US military, a credit history is a must. A credit history sets you apart from the average american without a credit history whatsoever because it shows you are financially responsible.
Because you are scared of being indisciplined and over-spending on your limit should not mean others who are disciplined should not get what they NEED to move forward in this country. If you are scared of financial indiscipline, brace up and work on your weakness.
If you are really in the US and
Hardworking and well-meaning citizens in this country have established credit histories, starting from the president, vice, to congress members. Why should you not get one for yourself?
To move forward in this country, one NEEDS a credit history, especially if you plan to stay behind in the US after study.
@Stevecrun...the Nigerian system and American system are 2 different systems. Due to low taxation, and much less monthly bills in Nigeria one with a good salary cnn afford to save up and buy a car of their choice however in America it is different. High taxation plus rent and bills every month barely leaves much room for savings. A good car in this country starts from $5000/$10000, being the salary of some people every year. To buy a good house in the US, you need from $300,000 and above which you barely cannot save in 20 years of living in the US under the high taxation system. To buy a house, you need to go to the bank for a loan and the bank will need to see a credit history and credit score from you and if not they'll deny you. The same goes for a car. You obtain a car loan from the bank and the bank asks to see your credit history.
It is totally needless to compare the Nigerian system with the US system.

Anyone who is scared of getting a credit card because of not being able to control their spending habits should probably not get one anyway.
Referral bonus whatsoever is nothing. From my conversation with many international students studying here, many are barely aware of the credit card system or how it works or their need for it.
The smart disciplined fellows on this forum who have identified what they need to proceed in this country go for the needful. Imperiouxx will tell you better.

kobe79:
@ bigfrancis..

it is not advisable to use credit cards to pay for petty tins.
it is actually a bad bad decision it doesn't build your credit at all
i know banks and credit institutions that can cancel terminate or deny u if all you do is run cards at 7 eleven, Starbucks, dollar general etc.

yea i know they want u to spend big so of course they remain in biz.

if feeding becomes an emergency i have to run credit om then wahala dey i for kukuma go buy food stamp from people whey dey sell their own. shuoooooo

the average wise American will rarely rarely run their card for items less than 20bucks.
cash or debit is wat is used.

there are many other ways to build credit enlighten us on thoserather than the above