Can I get a credit card without giving out my Social Security number?


Credit cards are issued in the United States without a Social Security number. Requirements for a Social Security number depend on the financial institution. Janna Herron writes on that Capital One and Chase require a Social Security number on their applications. Discover Card and Bank of America accept a Social Security number or taxpayer identification number, and American Express accepts government-issued identification if neither numbers are available.

Though giving out a Social Security number can be bypassed at some financial institutions, a lack of credit history could still prevent approval of a credit card, notes Herron. Consumers can build a credit history without a Social Security number. "Name and current address are the minimum requirement [to build credit history]" states Maxine Sweet, VP of Public Education at Experian. Sweet recommends using a Social Security number to ensure accurate reporting.

Consumers who lack credit history can build up their credit profiles using several strategies outlined by, though this is challenging because lenders have no way to asses the dependability of the borrower. Starting with a secured card is recommended. After a consumer makes on-time payments for a year, "real" credit cards usually become available. It may also help to apply for store, student and credit union credit cards, which have more lenient standards.

Q&A Related to "Can I get a credit card without giving out my..."
1. Go to a convenience or drug store. There will be pre-paid credit cards available at the counter or in the gift section of the store. Pick one of these and take it to the checkout
Search for 3rd party payment providers (3PP) they would be able to provide you with merchant processing without the need of a US SSN, the only downside is that rates are much higher
NONE! You won't be able to get a credit card without a SS or EIN number. If you want to learn more about the credit system works and how to improve your credit: Take a look at Phil
I am sorry, but I can't give you those numbers! I don't want to
1 Additional Answer Answer for: credit card without social security number
How to Get a Credit Card Without a Social Security Number
Credit cards are a necessary modern convenience. You can't buy products over the Internet without a credit card most of the time. For those who want to be able to use a credit card without having it tied to their Social Security number, address, or even... More »
Difficulty: Easy
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