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I am thinking of getting a secured credit card as per reading this on the stack.
My question is will I get one as a K-1 visa holder who has filed to Adjust Status to a Permanent Resident (Green Card)? I don't have my Green Card yet, I estimate it will take many more months to process.
I already have a checking and savings account with the bank I plan to apply for the secured credit card with an SSN.
If you already have a Social Security Number you should be able to apply for a secured credit card.
The applications from various banks:
Do not require you to be a Green Card holder to provide you with credit. They do use your SSN to get credit reports on you to determine your creditworthiness so given that you haven't established credit history in the US your credit limit and security deposit may be affected by this but there is nothing that prevents a bank, which is a private entity from taking a risk and giving you credit.
Yes. I got unsecured (once my credit was good enough) credit cards, a car loan and a mortgage before adjusting to permanent resident status (and a couple of years before applying to adjust).
