Secured card $200-$500 deposit, 6-18 months score, ITIN accepted everywhere, Capital One from 670+.
Direct answer · 60-second summary
In 60 sec
Secured card requires deposit ($200-$500) = credit limit. After 6-12 months on-time payments, upgrade to unsecured card. ITIN Experian accepts mail requests.
Steps 1-4
1. Open RBC Bank checking account (USD).
2. Request ITIN via Form W-7 + CAA.
3. Apply Capital One secured card.
4. Use 10-30% limit, pay in full each month.
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