I am thinking to move to USA and understand that i would ideally need a good credit history to get a decent mortgage loan. There are some answers regarding getting a "Secured Credit Card". Can i know how this work because this is the first time i heard of it. Does it work like a debit card where i spend only the money that i have put in the bank?

There was a previous posting, a few years ago, on a specific bank to use for this purpose, is that advice still valid? or can i use Bank of America for the above purpose?

I do not currently hold any American Express cards therefore cannot leverage on the possibility of backdating the credit history as proposed in some of the answers.

Lastly, is 6 months still the period required for a good credit history buildup before i can apply for mortgage loan?

Thank you very much



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