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Secured Credit Card Application Counseling

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Greetings 👋

My name is Alexander, I am your personal manager. Let me help you!

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Rate:
0
Publication date: 30.07.2025
Reading time: 4 minutes
Number of views: 7
Stage Term (days) Cost
  • 1
    Stage 1. Client Situation Analysis and Bank Selection
    3 $145.20

    Stage 1. Client Situation Analysis and Bank Selection

     

    Consultant actions:

    🔹 Review of client's US status (TPS, ITIN, SSN, visa, refugee status etc.)
    🔹 Analysis of available documents: ID, residential address, income
    🔹 Determination of account opening possibility without SSN or with ITIN
    🔹 Comparison of different banks' terms (deposit, annual fees, residency requirements)
    🔹 Providing client with recommendations for 2-3 optimal banking institution options

  • 2
    Stage 2. Document Package Preparation
    4 $205.70

    Stage 2. Document Package Preparation

     

    Consultant actions:

    🔹 Preparation of bank application forms
    🔹 Verification and translation (if needed) of documents including:

    • Passport/ID
    • US address proof (lease agreement, utility bill etc.)
    • ITIN or IRS processing letter

    🔹 Preparation of cover letter to bank if client status explanation is required
    🔹 Consultation on secured card deposit amount (typically $200-$500)

  • 3
    Stage 3. Bank Application Submission and Support
    5 $157.30

    Stage 3. Bank Application Submission and Support

     

    Consultant actions:

    🔹 Online application submission with client or in-person branch application arrangement
    🔹 Communication with bank representatives (if needed)
    🔹 Providing recommendations for checking application status
    🔹 Consultation regarding potential bank requests for additional documents

  • 4
    Stage 4. Card Receipt and Basic Financial Guidance
    2 $84.70

    Stage 4. Card Receipt and Basic Financial Guidance

     

    Consultant actions:

    🔹 Card activation consultation
    🔹 Card usage instructions for effective credit history building:

    1. Proper spending (utilization rate)
    2. What and when to pay
    3. How to avoid penalties and late payments

    🔹 Basic Credit Score consultation: what it is, how it's formed, how to check

In general
14 $592.90

Consultation on Secured Credit Card Application in the US

Applying for a secured credit card is an effective way to build or rebuild credit history for new immigrants, individuals without SSN, students, and foreigners with limited access to US financial instruments. Legal consultation helps not only select the right card but also avoid financial mistakes that could impact future credit opportunities.

 

What's Included in the Secured Credit Card Consultation Service?

  1. Assessment of your immigration and financial status (SSN/ITIN availability, visa type, income sources etc.)
  2. Selection of optimal banking products considering client's capabilities and limitations
  3. Analysis of card terms: deposit requirements, annual fees, credit limit increase possibilities
  4. Preparation of application documents (including applications without SSN using ITIN or passport data)
  5. Explanation of card usage strategies for building credit score
  6. Support during application submission and bank communication (if needed - via power of attorney)

 

Why Consult a Lawyer Before Applying?

US banks have varying requirements for applicants, especially foreigners or those without SSN. A lawyer helps:

  • Properly prepare documents considering financial and immigration status
  • Identify rejection risks and preemptively remove barriers
  • Provide legal support when appealing rejections or responding to bank inquiries
  • Offer recommendations for next steps in credit building (e.g., applying for unsecured cards or credit increases)

Legal errors or incomplete documentation can lead to rejections that appear in credit history and complicate future applications.

 

How Does the Lawyer Work During the Service?

After initial consultation, the lawyer conducts individual analysis of client's situation including immigration status, income, existing US or foreign bank accounts. Then compiles a list of banks accepting applications without SSN or using ITIN. Prepares required documents - translated and notarized if needed. If requested, the lawyer can act via power of attorney or accompany to the bank. Also provides instructions for proper card usage after activation: payment deadlines, minimum payments, credit bureau reporting.

 

Who Can Use This Service?

Consultation is available for individuals who:

  • Are legally or temporarily in the US (TPS, F-1, B1/B2, H-1B, L-1, J-1 etc.)
  • Have ITIN or plan to obtain one
  • Plan to establish or rebuild credit history after bankruptcy/financial difficulties
  •  
 

Legal consultation about secured credit card application is the first step toward financial independence in the US. Entrust this process to professionals to avoid mistakes and get a stable start for building positive credit history.

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Secure Transaction

As a Client, you are freed from all financial risks when collaborating with Contractors, as the payment amount is reserved by our service and is paid to the Contractor only after receiving confirmation from you about the completion of the stage.

If the service is not provided, the funds are returned to you. The service takes on all financial risks and acts as a guarantor and custodian of funds, and in case of disputes between the parties, acts as an independent Arbitrator.

Your money is in safe hands!

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  • Are you currently in the U.S. under a status that does not provide an SSN (such as a visa, TPS, or refugee status)?
  • Do you have an ITIN or plan to apply for one soon?
  • Are you looking to build or rebuild your credit history in the U.S.?
  • Have you previously applied for a credit card and been denied?
  • Do you have documents verifying your identity and U.S. residential address?
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