Credit Card Application: Fill & Download for Free

First, two things: 1) Your credit score is tremendously important in the US, and it affects almost every aspect of life in this country. 2) A credit card, if you manage it well, is the fastest, most direct and effective way to build good credit. So, my answer to your question is: apply for a credit card as soon as you can, then manage it impeccably (very important), so you can build good credit in the US as quickly as possible.Many US credit card companies are unwilling to issue credit cards to new immigrants with no local credit history, but don’t be discouraged by that. Check out CreditStacks. When assessing credit card applicants, CreditStacks looks at more than just credit history. CreditStacks assesses your potential, taking into account factors like current employment. And, if you have no US credit history, a credit check is not required as part of your application. Approved customers receive a no-compromise, premium credit card with a high monthly credit limit, no annual fees, and low interest rates.I hope this helps!Ron Shavit, Marketing Manager, CreditStacks

Closing a credit card can subtract points from your credit score. The impact is likely to be greatest if you are relatively new to credit and/or have few cards.A lower credit score might make it harder to qualify for an apartment, a loan or another credit card, particularly if your credit score is near a lender’s cutoff. (You can see where you stand with your free credit score, which updates weekly on NerdWallet.)The potential loss of credit score points doesn’t mean you should never close a credit card, but it does mean you should think strategically and choose carefully.

If credit cards were implemented in the US or Australia like they are in Japan, then the US and Australia would also be cash-centric societies.ATMs in Japan are obnoxious to use. They have hours just like a bank and for some mysterious reason ‘close’ (really turn off) in the evening.Many purchases require signatures even if they are tiny amounts, which wastes time.Out of Japan’s credit card users, many are victimised by fraud every year.I have heard Japan described humorously as a Cargo cult—in Anthropology, this refers to a primitive pre-industrial society that sees modern technology and tries to implement it by copying the aesthetics without the features, and then worships it:Of course, Japan is a lot more developed than this. I say again, this comparison is humorous—it’s an exaggeration.However, there are a lot of old things and old procedures though that seem to get reused even though they are 30 or 40 years old. Many companies in Japan use Fax Machines.When my youngest brother studied in Hokkaido, he had to fax tons of documents because they would not accept email.In Australia in the meantime, I simply hit “scan” on my iPhone’s Notes Application, scan it to email and then hit “send.”Another factor that comes to mind is the age of the population. Not only is new credit card technology slow to be implemented, but the population is ageing. Older people are less likely to use debit or credit cards and, because of this, merchants have less incentive to accomodate them.