First, you need to open a debit card, then as soon as possible, open a credit card (even if you don't plan to use it). Credit history is just as important in the U.S. as SSN or status.
Bank of America Debit Card
Required documents:
- Primary proof of identity. If you are not yet a U.S. resident (most likely), this is only the original passport or visa.
- If your passport was taken, you need to ask your immigration officers (ICE) to issue it to you for a week or two to process documents. Whether they provide it is at the officer's discretion. Try asking different officers.
- If you have certified copies, you can try going to different bank branches with them. Although instructions say copies are not accepted, some staff may process them.
- If you have a Russian internal passport without English text, it can only be accepted by a bank employee accredited to read Russian documents (Russian-speaking). Usually available in big cities. Note: the employee must specify the passport's validity. Russian passports say valid until age 45, so the expiry is set to your 45th birthday.
- Secondary proof of identity – anything showing your name in English (Russian driver's license, Russian bank cards, etc.)
- Proof of residence
If possible, deposit more than $3000 into the debit account immediately. This will help you get a credit card.
Bank of America Credit Card
If you deposited $3000, the next day make an appointment and apply for a regular cash rewards credit card (not secured). You’ll need to indicate employment type and industry you work or plan to work in next year. If you have no work authorization, choose self-employment. Also indicate planned annual income, including all sources (food stamps, cash assistance, income from Russia, and work income). Minimum annual income for approval is $20,000–$25,000.
You can also apply online, but you must log into your account first.
Useful links:
• Disclaimer: The information provided here is for general informational purposes only and does not constitute legal advice. Translations are provided for convenience and may contain errors or omissions. For guidance on your specific situation, always consult official sources or a qualified attorney.
