In the United States, credit card issuance is governed by the Social Security Number (SSN). This helps businesses prevent fraud and protects against identity theft. But can you apply for a credit card without an SSN?
It should be noted that the Social Security Administration’s database is one of the most efficient and secure resources banks can use to verify each person’s identity and information, so most bank and insurance company credit cards almost always require a valid SSN.
Although most companies require the SSN, it is not an essential requirement for all cards. For those who do not qualify for a card or Social Security number, there are still ways to open a credit card account in the United States.
How do I apply for a credit card without a Social Security number?
If an applicant does not qualify for an SSN, another form of identification will be required to verify their personal information, depending on the alternative card issuer and the type of card applied for.
- The two most popular card issuers for applicants without SSNs are American Express and Citibank. However, since these are foreign card issuers, credit activities outside the United States are taken into account.
- If you do not have an SSN, the most common alternative is to use an Individual Tax Identification Number (ITIN).
- Most credit card issuers that accept card applications without an SSN request the ITIN as an alternative. In addition to other documents required to verify an applicant’s identity, such as B. A copy of a U.S. passport and/or visa.
- Some banks may also require that the applicant have a relationship with them before applying for a credit card, i.e. an existing checking or savings account.