Home Study in US [Tutorial] Deserve Edu credit card, 3 Steps, Start to Build your Credit Score without SSN

[Tutorial] Deserve Edu credit card, 3 Steps, Start to Build your Credit Score without SSN

by Jack
deserve credit card cover
Reading Time: 7 minutes

Last Modified 2021年12月1日

What is the Deserve Edu credit card? Can I apply for a credit card without SSN? What credit cards can international students apply for? If you have just studied in the United States, then this can be your first card to “start your credit history.”(Credit Score)

If you have just received an offer from the school, you can also apply online at the US address where you have confirmed accommodation! You can calculate the time when you arrive in the United States, you can get your card! If you already live in the United States, you can apply for Deserve Edu credit card directly online!

If you don’t have a Bank of America yet, or you have an account with the US bank in your country (Citibank), you can wait until the bank account is opened before applying. After applying, remember to tie the card to your Amazon account, because this card will give you a “free” Amazon Prime membership for one year!

Priorities to do when entering the U.S.:

“Visualization Overview” Guide to Study Abroad

  1. Buying air tickets : [U.S. Travel] How do I buy air tickets in the United States? 3 steps to buy cheap air tickets
  2. Report to school
  3. Looking for a long-term rental house :
  4. Open a bank account :
  5. Phone number
  6. Apply for a credit card (start to accumulate credit records):
  7. My website for studying abroad
    1. [Study in the U.S.] 40 essential websites for studying in the U.S.
    2. [美国求职] #0 A collection of job hunting resources in the United States, 15 must-have websites, 2 books, and 4 PROJECTS
    3. [Money-saving teaching] Rakuten cash back, saving USD500 in teaching a year
  8. U.S. Medical Insurance :
    1. [Study in the US] US study abroad insurance, 4 common insurance types, 5 cost keywords
    2. [Apply for teaching] Student Medicover US medical insurance, how to save $1500 a year? Easy application 5 steps
  9. U.S. stock ETF investment account opening: [Account opening teaching] Firstrade, an American brokerage firm, a 5-minute easy account opening tutorial
  10. Changing your driver’s license: [Study in the US] Taiwan’s driver’s license is exempted from the test and the US driver’s license is easily changed in 33 states

Open bonus

deserve edu信用卡

Deserve Edu is a credit card designed specifically for students Credit Card, no annual fee, and no SSN required, which is most suitable for international students who have just arrived in the United States. In the beginning, the credit limit will start from USD 1000. With consumption and payment on time, the limit will also increase.

This is also my first Credit Card when I was studying in the United States. The first-year Student Amazon Prime was given to me by this card.

Application link

This is an online application, Deserve Edu application link (after the application completes the first purchase, there will be a USD 30 card sign-up bonus)

Card opening bonus: USD30

Application, after completing the first purchase, there will be a USD30 Card opening bonus.

Application conditions

This is a credit card designed for international students. International students can apply for a card without SSN or credit history.

If you are an F1, M1, or J1 visa, you can apply, as long as you prepare the following documents:

  • school, program
  • passport, visa scan
  • I20 or DS-2019 form scan
  • bank statement (after coming to the United States to apply for a bank account, every month There will be a Bank Statement.

Usually, after uploading the file,Deserve will reply to the application result within three working days, but I applied for more than an hour and received the nuclear card email (fast enough). The official website said that in about two to three weeks, I would receive the physical card, and I sent it to my home in about a week.

6 Advantages (Deserve Edu Credit Card)

Deserve Edu credit card
Deserve Edu credit card

Advantages 1. You can apply without SSN

a lot of credit cards, such as some Chase cards, you will hope you have accumulated a certain amount of credit Records before you can apply.

It is very suitable for people who have just arrived in the United States and have not yet obtained an SSN to apply and start accumulating credit records.

Advantage 2: 1% cash back

first card. It has rewards, which is better than no rewards: D

online shopping, althoughDeserve Edu credit card only has 1% rewards, but it is used with Rakuten cash rewards,Rakuten It is a Cash Back website. In addition to credit card feedback, you can earn cash back. There will be websites from time to time, and there will be higher rewards. The highest value is 10% or higher, and different percentages will be returned according to different websites.

I’ll make a hotel reservation with Expedia to buy air tickets, that they will use this site to earn extra rewards, Udemy with Amazon will not have cash back when, after Chrome Extension, open the site will remind, click, you can accumulate Feedback is super convenient.

Advantage 3. No annual fee

For the entry card, the No Annual fee is very important. If you apply for another card later, you don’t have to worry about this card, just let it This card continues to grow older (to help your FICO score get better).

Advantage 4, One year of Amazon Prime Student discount

Amazon will be the website you use every day, especially Amazon Prime will have a two-day home delivery service.

After you apply for this card, as an Amazon Student Prime member, link the account to this card, and you will get USD 59 credit for the first year membership fee (equivalent to giving you a free one-year membership)

Tips: Your school’s Edu email Registering for Amazon Student Prime is also free. The first half-year is free, so with this card, you can free the Prime membership fee for 1.5 years.

Advantage 5. There is no handling fee for overseas card swiping. There is no handling fee for

overseas consumption. If you swipe your card outside the United States, there will be no handling fee. It is very suitable for people who love to travel or go home to play.

Usually, in credit cards, transnational countries will charge a foreign transaction fee of 1%-3%, but if you use a Deserve credit card overseas, you can avoid this fee, which is very suitable for international students and people who love to travel.

Advantage 6: Provide credit report free.

After applying for the Deserve card, he will provide a real-time FICO score report for free, which means that FICO scores will change over time.

Length of Credit: I just held a Credit Card in the first year, and this indicator is all Low. It was about the second year of holding a credit record that I arrived at Fair.

How long does it take to accumulate the first credit report? Ans: You need to hold the card for normal consumption and repayment for 3-6 months.

It is recommended that the earlier you accumulate credit history, the credit history will improve over time (time accounts for 15% of the record score)

Disadvantages

Disadvantage 1. US citizens, green card holders: SSN required.

This is an international student-friendly credit card, but if you are a citizen or a green card holder, you need to provide an SSN, which is the same as the normal credit card application process.

Who is Deserve Edu Credit Card suitable for?

It is very suitable for students who have just come to the United States to study, or hold F1, J1, M1, visiting scholars, and have not yet obtained the SSN. You can apply for the first card to start accumulating credit records.

Application notes It is

  • recommended to apply for when don’t have an SSN or credit record.

My experience

This is my first credit card. I was troubled at the beginning. How can I accumulate credit records without an SSN? It’s a great boon to just see this card. what! Allow me to accumulate credit records without SSN during my master’s degree.

What I like the most is the free one-year membership of Amazon Student Prime he gave me. After I came to the United States, I really couldn’t do without Amazon. I can compare my purchases on it and look at the evaluation. The items are very complete. It will arrive in the day.

For online shopping, although Deserve Edu credit card only has a 1% rebate, but it is used with Rakuten cash rebate, Rakuten is a Cash Back website. In addition to credit card feedback, you can earn cashback. There will be websites from time to time, and there will be higher rewards. The highest value is 10% or higher, and different percentages will be returned according to different websites.

I’ll make a hotel reservation with Expedia to buy air tickets, that they will use this site to earn extra rewards,Udemy with Amazon will not have cashback when, after Chrome Extension, open the site will remind, click, you can accumulate Feedback is super convenient.

Extended reading:[Money-saving artifact] How to use Rakuten cash rewards.

If you want to start buying US stocks and ETFs in addition to earning rewards, what kind of protection should you open?

Extended reading:[Account opening teaching] Firstrade, an American securities firm, 5 minutes easy account opening teaching

Online application teaching: 3 steps, 5 minutes to apply.

Step 1. Prequalify fill in the basic address and birthday

deserve edu信用卡 申請
Deserve Edu credit card

select the student to

deserve edu信用卡 申請
Deserve Edu credit card

choose “From abroad” if “You don’t have SSN

Deserve Edu credit card

fill in your email,

deserve edu信用卡 申請
Deserve Edu credit card

enter your name, and

deserve edu信用卡 申請
Deserve Edu credit card

fill in the address of your residence. If you haven’t arrived in the US, you can choose “I haven’t arrived in the US” to

deserve edu信用卡 申請

fill in your birthday.

deserve edu信用卡 申請
Deserve Edu credit card

If you don’t have an SSN, click No SSN and

deserve edu信用卡 申請
Deserve Edu credit card

you can finally start the application. the ~

Step 2, Apply: basic information, school information, banking information

deserve edu信用卡 申請
Deserve Edu credit card

to fill in your address

deserve edu信用卡 申請
Deserve Edu credit card

fill in your school information

deserve edu信用卡 申請
Deserve Edu credit card

to fill in your basic expenses, sources of funds, click “Continue” to upload your scanned documents.

  • Passport, visa scan
  • I20 or DS-2019 form scan
  • bank statement (after you come to the United States to apply for a bank account, there will be a Bank Statement every month)

Step 3: Decision: After 3 working days, Check your application result

but I am about two After an hour, I received the credit card approval letter. About a week later, the physical Deserve Edu credit card was sent to my home.

Intimate reminder:

  • Remember to tie it to your Amazon Student Prime member
  • within three months, remember to spend, receive USD30
  • rewards although only 1% cashback, but can be used with Rakuten Cash Back website

Series: Study in US

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