Cartão de Crédito nos EUA

Introduction

Today, credit cards have become an essential tool in Americans' financial lives.

After all, it not only makes everyday purchases easier, but also helps build a good credit history, Credit Card in the USA

However, many people still have doubts about how to obtain a credit card, what the requirements are, which banks are the most accessible and what can influence the approval or rejection of an application.

Therefore, in this article, we will present a complete, updated and humanized guide on how to get your first (or new) credit card in the United States.

What is Required to Get a Credit Card

Of course, before applying for any card, it is essential to understand the main requirements.

In general, banks and credit issuers look at the following factors:

Credit History (Credit Score): The higher the better. Scores above 670 increase the chances of approval.
Declared income: Many issuers require proof of minimum income to approve certain limits.
Stable employment: Having a permanent employment relationship can make approval much easier.
Residence and documentation: You must present a fixed address and valid documents (such as Social Security Number).

So, preparing in advance is the first step.

Where to Apply: Popular Banks and Apps

Americans currently have a variety of card issuer options to choose from.

Below, we list the most reliable and accessible institutions:

1. Capital One

Above all, it is known for approving cards even with limited credit history.

Cards like the QuicksilverOne Rewards and the Capital One Platinum are ideal for beginners.

Application: Available to android It is iOS.

2. Discover

While it requires a good credit history, it also offers cards for students and people rebuilding their credit.

O Discover it® Secured is ideal for beginners.

Application: Download to android or iOS.

3. Chase

Although more selective, it offers cards such as Freedom Unlimited, with good cashback rates and promotions.

Application: Available to android It is iOS.

4. Petal Card

Especially useful for those with limited credit.

They use alternative algorithms to evaluate approvals.

Application: android | iOS

How to Increase Your Credit Limit

However, many people wonder how to increase their card limit.

Below are some best practices:

Pay your bill on time.
Use frequently, but avoid spending more than 30% of the limit.
Request a raise directly through the app.
Wait 3-6 months after opening to ask for a raise.

Therefore, discipline is essential to safely develop your credit.

Cards with Easier Approval

Below, we list the cards known for their ease of approval:

Capital One Platinum
Credit One Bank Visa
OpenSky Secured Visa
Discover it Secured
Mission Lane Visa

All of them are available in major apps and do not require perfect history.

Cards with Higher Credit Limits

On the other hand, those looking for cards with higher limits should consider:

Chase Sapphire Preferred: Limits from $5,000
American Express Gold: High travel limits and points
Capital One Venture: Great for miles and travel
Citi Prestige Card: High limits with robust rewards program

Obviously, these cards require very good or excellent credit.

Conclusion

Having a credit card in the United States is definitely not just a matter of consumption, but a financial strategy.

Therefore, choose your card based on your profile and goals.

Use the free apps from the institutions mentioned to facilitate the management of your credit.

Finally, keep an eye on your score, always pay on time and enjoy the benefits of a good credit relationship.

This way, you will be on the right path to a more stable and prosperous financial future, Credit Card in the USA

If you have any questions, it is worth consulting the CFPB (Consumer Financial Protection Bureau) website or a financial advisor you trust.

Credit Card in the USA