BASICS GUIDE
US Credit Card Application Basics Guide
Learn the complete US credit card application process, eligibility requirements, and required materials from scratch to improve your approval chances
1. Application Eligibility Requirements
Basic Requirements
- Age: 18+ years (some cards require 21+)
- Valid identification
- Proof of income
- US address proof
Optional Requirements
- Credit history (not required)
- Social Security Number (optional)
- US bank account (optional)
- Co-signer (in some cases)
2. Application Process
1
Assess Eligibility
Confirm you meet the basic application requirements
Check age, identification, income source, etc.
2
Prepare Application Materials
Gather all required supporting documents
Passport, income proof, address proof, etc.
3
Choose Credit Card Type
Select appropriate credit card based on needs
Cash back cards, travel cards, rewards cards, etc.
4
Submit Application
Fill out application form and submit for review
Fill online or use application service
5
Wait for Approval
Credit card company reviews application
Usually takes 1-2 weeks
3. Required Materials
Identification
Prove your identity information
- • Passport
- • Driver's License (if available)
- • Social Security Number (if available)
- • I-20 Form (for students)
Income Proof
Prove your income source
- • Pay stubs
- • Bank statements
- • Tax returns
- • Employment letter
Address Proof
Prove your residential address
- • Utility bills
- • Lease agreement
- • Bank statements
- • Driver's license address
Other Documents
Other documents that may be needed
- • Credit report
- • Asset proof
- • Co-signer information
- • Reference letters
4. Frequently Asked Questions
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