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Vivinavi Los Angelesセキュアカードに詳しい方、教えてください
- #1
-
- JOHNNYENGLISH
- 2014/06/29 10:21
今年の4月にグリーンカードを取得し、クレジットスコアを作るためWells Fargoにグリーンカード、ドライバーライセンス、ソーシャルセキュリティーカードの各コピーと$300のデポジットを提出し、セキュアカードを申し込みました。
しかし、結果は"Decline"。理由はInsufficient or no recent credit reported,Wells Fargo accounts not open long enough,School class level achieved,unable to verify applicant's identity.
そもそも、アメリカで初めてクレジットヒストリーを構築し始めようと思っているわけだからcredit reportなんてあるはずないし、Wells Fargoの口座はセキュアカードの申し込みの時に同時に作ったので、当然、not long enoughです。大学に行きながら、パートタイムで働いているのですが、学生だと言ってしまったことがいけなかったのでしょうか?給料は月$1500ほどですがチェックでWells Fargoに入金しています。Bank of Americaの口座は10年近く持っているので、そちらで申し込んだほうが良かったのでしょうか。
- #10
-
私の思い込みかもしれないですが、Wells Fargoは外国人には審査が厳しいイメージがあります。トピ主さんのエピソードを読むと、やっぱりそうなんだと思いました。
#8さんのおっしゃるようにバンカメなら、大したヒストリーや収入がなくてもすぐにセキュアカード作ってくれると思いますよ。
- #12
-
- エドッコ3
- 2014/07/01 (Tue) 09:49
- Report
#11 おしえてさん、
私も聞きなれない言葉なので、ググってみました。
したら、Wells Fargo ではクレジットカードの一部を Secured Card
または Secured Credit Card と呼ぶそうです。
まぁ、誰しも日本で作ったカードを持ってきた人以外、こちらで
新たにクレジットカードをはじめて作る人は、必ず今持っている銀行の
チェッキングアカウントを土台にして申請しますよね。
チェッキングの残高がいくら低くても1年もすれば銀行はカードを
作ってくれるはずです。トピ主さんはなんで B of A でそれを
しなかったのか不思議です。
それに10年もこちらにいらっしゃるなら、永住権があろうが
なかろうが、クレジットカードを必要とする機会があったはず
なんですけど。
- #13
-
- 無関係
- 2014/07/01 (Tue) 10:00
- Report
#11
要するに担保(ある金額以上の口座がその銀行にある)
があれば、出してくれるカードでしょ。
- #14
-
- marieim
- 2014/07/01 (Tue) 10:04
- Report
#11 Secured credit cardのことです。
クレジットヒストリーがなくて普通のクレジットカードが作れない場合、あらかじめ金融機関にDepositした額の範囲内で使用出来るSecured Credit Cardを作ります。
しくみとしてはDebitカードと同じことだと思うのですが、Debtカードをいくら使ってもクレジットヒストリーを構築していくことは出来ないことになっているので、Secured Credit Cardを作ってコツコツとクレジットヒストリーを作って行きます。
トピ主さん、Secured Credit Cardにも審査があるので今まで取引をされていたBank of Americaに行かれればスムーズに発行してもらえると思います。
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