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The Best Credit Cards for Americans: How to Obtain, Increase Limits and Choose the Most Advantageous Ones
Introduction
At the moment, have a good credit card in the United States is essential to maintain good financial health.
It is certainly much more than just a shopping tool.
After all, a card can open doors to financing, installment purchases and even exclusive travel benefits.
So in this complete article, we will show you how to get your card, how to increase the limit, what are the easier to approve, those who offer higher limits and which free apps you should use to manage everything directly from your smartphone.
This way, you can make safer and more advantageous decisions, Credit Cards for Americans
How to Get a Credit Card in the USA
1. Have a Credit Score
Initially, card issuers in the US look at your credit score to approve your request.
Therefore, it is essential to have a positive credit history.
However, if you don't have a history yet, start with “secured” cards, which require a security deposit.
2. Use a Secured Card as a Gateway
Firstly, banks like Capital One It is Discover offer guaranteed cards for beginners.
After all, with regular use and on-time payments, you can build your score quickly.
Once your score improves, you can request an upgrade to a traditional card.
3. Required Documents
Of course, you will need:
- SSN (Social Security Number) or ITIN
- US Residential Address
- Proof of income
Banks may also occasionally request proof of employment or bank references.
How to Increase Your Card Limit
1. Always Pay on Time
Therefore, keeping your payments up to date is the most important factor in gaining the trust of the financial institution.
After all, it shows that you are a good payer and can handle higher limits.
2. Use the Card Frequently
However, there is no point in having the card and only using it once a month.
This way, you don't generate enough history to justify a limit increase.
So use it for day-to-day expenses and pay the full amount of the bill whenever possible.
3. Request a Raise Manually
Eventually, you can request the increase directly through the bank's app.
Thus, some banks like American Express allow online applications with fast approval.
However, avoid asking for a raise too often so as not to harm your evaluation.
Cards with Easy Approval
1. Discover it® Secured Card
After all, this is ideal for beginners.
With it, you get cashback of 2% at gas stations and restaurants and 1% on other purchases.
Requirements:
- SSN
- Security deposit from US$$ 200
Download Discover App: Android | iOS
2. Capital One Platinum Secured
It is certainly another affordable card with the possibility of a quick limit increase.
Benefits:
- No annual fee
- Adjustable initial limit according to use
Download Capital One App: Android | iOS
3. Petal® 2 “Cash Back, No Fees” Visa®
Therefore, even without a credit history, it evaluates your bank account to set the limit.
Benefits:
- No annual fees or hidden fees
- Up to 1.5% cashback
Download Petal App: Android | iOS
Cards with Higher Limits
1. Chase Sapphire Preferred® Card
In principle, it is ideal for those who already have a good credit history.
Benefits:
- High limits
- Travel points and cashback
Download Chase App: Android | iOS
2. American Express Gold Card
Like Chase, it is recommended for those who are already financially established.
Benefits:
- Dynamic limit based on your consumption habits
- Bonus points and gastronomic prizes
Download Amex App: Android | iOS
Applications to Manage Cards and Limits
1. Credit Karma
After all, it allows you to monitor your score for free and offers card suggestions based on your profile.
2. NerdWallet
It is certainly ideal for comparing cards, simulating approvals and tracking transactions.
Conclusion
Therefore, choosing the ideal credit card requires analysis, patience and information.
However, with the tips above, you will be much more prepared to request, use and increase your card limits.
After all, whether with a guaranteed card or a premium one, the important thing is to maintain conscious use and always prioritize financial organization, Credit Cards for Americans
Ultimately, choose what best suits your profile and make your credit card an ally in your financial life!
