You can be moving to the US temporarily for work or studying or you might be planning to settle down there for life. In any case, it helps to have a credit card to make transactions easier for you in the foreign land. However, your lack of any credit history in the US makes it rather difficult for you to get a credit card there. So, what is the alternative you have in this case? Let’s find out!
Why look for a US credit card from India?
It is important to acknowledge that it is easier to pay using the US credit card when you are staying there because you cannot pay using your Indian one. Of course, many Indian credit cards will not even work in the US, which is another issue. You will neither get those exciting cashbacks and rewards on your Indian cards even if you can swipe them in the US.
Moreover, you built up a good credit score in India and the fact that it means nothing once you move to the US is truly unfortunate.
Get a Zolve credit card for your US transactions
There are ways to get a US credit card from India without any hassle. Companies like Zolve have heard your needs and come to help you out. So, you can apply for a Zolve credit card from India and use it for your transactions in the US.
Here are the five main benefits associated with using such a US bank credit card from Zolve:
#1 Zero annual fees – The company will not charge you any annual maintenance fee, which is a feature still seen in many standard credit cards.
#2 No social security number needed – They will not ask you to show your US credit history because that defeats the purpose of seeking such a card. You would not even have a social security number because you have moved temporarily for work or studies. They will only need some basic information for identification and verification, such as your passport and visa details.
#3 Zero foreign exchange fees – Another issue with using an Indian credit card in the US is that you might be charged a hefty foreign exchange fee. But not in this case! You will not be charged anything extra to use your card in the US. Additionally, you can use the same card at home for increased convenience.
#4 Rewards and cashbacks – Simply because you are seeking a US credit card for easier transactions does not mean you should be devoid of rewards. You can expect to get the kind of cashbacks and rewards that you expect from a regular credit card – if not better! In fact, when you have this US credit card, you can get discounts and cashbacks from the brands based in America. This is not something your Indian credit card can do for you.
#5 A credit card to use right away – With these cards, the entire process of pre-approval is completed in India. So, you have a credit card in hand right after you land in the US. You will not have to worry about delays in processing the card or stay without any credit card for even a day.
Wait no more and start the pre-approval process for the card right away. Your date for taking that flight to the US is coming near, right?