You do not need a Social Security Number to start building US credit. With the right setup, ITIN holders can begin establishing credit the correct way from day one.
Phase 1 focuses on clean entry and smart sequencing ๐
โ
Open a PenFed savings account with a $250 deposit
โ
After your first statement posts, apply for Global Transfer
โ
Apply for a Capital One secured card, with potential to graduate to unsecured
This phase is about laying the foundation the right way. Timing and order matter.
Follow the process, stay consistent, and build US credit with strategy.