An Indian comes to US and goes to a reputed bank, opens a checking account and deposit $5000 cash in to it. The banker tells him he could do all that, while he waits for his SSN number to arrive by mail. The banker talks intelligently till then.
Our Indian asks him the next logical question (He just made a $5000 deposit right).
Indian Dude: "I need to apply for a credit card" ?
Banker: "How good is your credit?", "Whats your credit score?" and explains what credit history means. All this when he just allowed the Indian dude to open a checking account witout SSN number (indicating that this is his first visit on a work related visa)
Indian Dude: "I dont have a credit history, How do i build one?"
Banker: "Its simple. Apply for a credit card and pay off your balances in full/almost full and slowly your credit score/history starts building".
Indian Dude: "Arre! Wah. Fantastic". " OK then, I will apply for a credit card from you (since i just put $5000 in your bank and you made me feel so welcome)
Banker: "Sir, You need credit history to apply for the credit card"
Indian Dude: Yeah! Thats why I am applying for a Credit Card. To buid my history channel.. err. credit history and also use it at shops (since the shop tellers freak out when i take out a $100 note in front of them).
Indian Dude: "So I really need to build my credit history". How do i do it?"
Banker: "Its simple. Apply for a credit card and pay off your balances in full/almost full and slowly your credit score/history starts building".
Indian Dude: "Arre! Wah. Fantastic (Again) ". " OK then, I will apply for a credit card from you
Banker: "Sir, You need credit history to apply for the credit card"
Indian Dude: &^$$^@#$$^%()
Note: America's Funny Videos is actually called "Reality Show" in US.
Our Indian asks him the next logical question (He just made a $5000 deposit right).
Indian Dude: "I need to apply for a credit card" ?
Banker: "How good is your credit?", "Whats your credit score?" and explains what credit history means. All this when he just allowed the Indian dude to open a checking account witout SSN number (indicating that this is his first visit on a work related visa)
Indian Dude: "I dont have a credit history, How do i build one?"
Banker: "Its simple. Apply for a credit card and pay off your balances in full/almost full and slowly your credit score/history starts building".
Indian Dude: "Arre! Wah. Fantastic". " OK then, I will apply for a credit card from you (since i just put $5000 in your bank and you made me feel so welcome)
Banker: "Sir, You need credit history to apply for the credit card"
Indian Dude: Yeah! Thats why I am applying for a Credit Card. To buid my history channel.. err. credit history and also use it at shops (since the shop tellers freak out when i take out a $100 note in front of them).
Indian Dude: "So I really need to build my credit history". How do i do it?"
Banker: "Its simple. Apply for a credit card and pay off your balances in full/almost full and slowly your credit score/history starts building".
Indian Dude: "Arre! Wah. Fantastic (Again) ". " OK then, I will apply for a credit card from you
Banker: "Sir, You need credit history to apply for the credit card"
Indian Dude: &^$$^@#$$^%()
Note: America's Funny Videos is actually called "Reality Show" in US.
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