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Just use your ITIN to apply for an employer identification number (EIN) on the IRS website.» MORE: How to apply for a credit card so you’ll get approved The takeaway: Applying for a credit card is more difficult without a Social Security number, but it’s certainly possible with an ITIN.There are also some credit cards offered specifically to recent immigrants, and they don’t require a Social Security number.Once you have a credit card, use it responsibly and pay it off on time and in full.After you submit your application, you’ll receive a letter from the IRS within six weeks containing your ITIN.» MORE: How to apply for a credit card without a Social Security number Once you have your ITIN, you’re ready to apply for a credit card. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free. Our partners cannot pay us to guarantee favorable reviews of their products or services. " At Nerd Wallet, we strive to help you make financial decisions with confidence. Some people are hardcore credit-card optimizers: They carry a wallet packed with plastic and pull out a different credit card for every situation. If you’re only using one card, you won’t have the opportunity to earn, say, double points on dining. Keeping multiple cards in your wallet will allow you to optimize the rewards you’re earning on every dollar you spend.
Foreign credit doesn’t transfer to the United States, so you’ll need to start building credit from scratch.
To do this, many or all of the products featured here are from our partners. Others put a premium on simplicity: They find one card that works just fine for them in most situations, and that’s all they need. » MORE: How I maximize my rewards with only a few credit cards The “right” number of credit cards is a highly personal matter.
If you consider yourself a plastic professional and feel comfortable managing multiple cards, there’s no harm in doing so. For instance, if you spend a lot on gas and dining, look for cards that will reward you for each type of expense.
Finally, regardless of the number of credit cards you decide to keep, carry more than one form of payment.
For most people, a credit card a debit card and a little bit of cash is the bare minimum of what should be in your wallet.