Thanks to Nova Credits. I applied for an Amex credit card with nova and got instantly approved. Nova Credit is not a company is a brand, it's a financial helper for students. I came to the USA this fall 2023 and I am looking to take a credit card, but no company gave me a credit card without SSN. At that time I came to know about Nova Credit and I applied for an Amex credit card with nova and got instantly approved. I suggest all students who are presently in the USA or coming to the USA, must try Nova credit and get Amex card Thanks to Nova Credits

Complete Joke I supplied a physical copy of my 1099 to verify my income. They then sent me an email requesting that I grant them full and unlimited access to my checking account to verify my income. What a joke. Are these people nuts? First of all, they don’t need access to my checking account to verify my income. I already gave them the physical copy of my annual 1099R.

Hit or Miss It works when things are simple and straight forward. Their Linking and Matching of records to the UK beureos are are not great, I out exceptional rating in UK but Novacredit did not find my record after living in UK for over 15 years !. It did work for my wife who lived in the country for 6 years

A great business idea A great business idea The process in getting your Nova Credit score and applying for a US credit card was really straight forward and easy to follow. It's a really great idea and acknowledges responsible credit users who have been living overseas. What's stopping me from giving 5 stars is that I wish it was more widely recognized, at the moment it's a very useful tool for building American credit but it would be even better if you could use it instead of an American credit score.

Highly recommended Extremely useful way for a new arrival in the US to get a decent credit card and build a credit rating. Application very easy, decent range of credit cards (I recommend one of the Amex Blue cards)...and makes life a lot easier in terms of signing a lease for a flat/phone etc