[CAUTION] CC for international students - SelfScore

According to user jsucool76 - who contacted the company directly - they do not report to CRAs if no SSN is supplied during application (one is not required). If a customer then gets a SSN and supplies it to SelfScore they claim they will then start reporting to CRAs. It is not clear at this time what CRAs they report to, if they "backdate" to the time you originally opened your account with them, and then how often they report. So request more details before embarking on this Original post: I know this question has been asked here a few times. I came across this and thought i would share. It seems like a fantastic product.
Highlights:
- CC that only international students can apply for
- No SSN required. You apply by sending them your passport copy, immigration form (to prove you are a student), visa copy and a babk statement
- Starting limit $1000; no clue if it can grow
- no AF or from what i can tell no other BS fees
- APR 0% for 6 months, then 13-23% variable
- 1% cashback on all purchases
Www.selfscore.com
It appears to be a startup banking on the fact that international students have a lower default risk than the general US population. My assumption is they like to see some assets (although i don't know how much is enough - is 1k enough? 5k?). They probably don't HP.
Anyway, unless i am missing something this SelfScore seems to be a dream product for international students who want to establish credt history

Hello! This is Alee, Content Director of SelfScore. First of all, thanks for your interest and for taking the time to research our credit card. Based on what's mentioned here, I thought I'd clarify a few facts about our card: -We DO report to credit bureaus once you link an SSN to your SelfScore account-We offer a real credit card, not a debit card or secured credit card-We DO NOT require a cash deposit This is a real credit card for international students that allows you to build a proper US credit history. It is an introductory-level card with a low spending limit and fair APR (these numbers vary based on our users' individual circumstances) plus cash back and no annual fees.  We are former international students who wanted to help younger versions of ourselves access US credit while they study. We're neither a predatory service nor a dream come true. We're offering fair credit to those who deserve it: a population of international students whose creditworthiness could not be measured by existing metrics. We use alternate verification methods such as ability to repay, education, and personal funding sources to substitute for traditional (and outdated) verification methods. If you are an international student interested in our card, sign up for our waitlist. If you want a more detailed answer to anything mentioned here, please contact [email protected] Hope this helps! -Alee

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    |System environment                                                                                |
    |    SAP-Release 700                                                                               |
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    |    Network address...... "10.0.0.1"                                                              |
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    |    Release.............. "6.0"                                                                   |
    |    Hardware type........ "16x AMD64 Level"                                                       |
    |    Character length.... 16 Bits                                                                  |
    |    Pointer length....... 64 Bits                                                                 |
    |    Work process number.. 19                                                                      |
    |    Shortdump setting.... "full"                                                                  |
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    |    Database server... "NEWPRD1"                                                                 |
    |    Database type..... "ORACLE"                                                                   |
    |    Database name..... "PRD"                                                                      |
    |    Database user ID.. "SAPSR3"                                                                   |
    |                                                                                                  |
    |    Terminal................. " "                                                                 |
    |                                                                                                  |
    |    Char.set.... "C"                                                                              |
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    |    SAP kernel....... 700                                                                         |
    |    created (date)... "Sep 17 2012 22:56:00"                                                      |
    |    create on........ "NT 5.2 3790 Service Pack 2 x86 MS VC++ 14.00"                              |
    |    Database version. "OCI_10201_SHARE (10.2.0.4.0) "                                             |
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    |    Patch level. 353                                                                              |
    |    Patch text.. " "                                                                              |
    |                                                                                                  |
    |    Database............. "ORACLE 10.1.0.*.*, ORACLE 10.2.0.*.*, ORACLE 11.2.*.*.*"               |
    |    SAP database version. 700                                                                     |
    |    Operating system..... "Windows NT 5.0, Windows NT 5.1, Windows NT 5.2, Windows                |
    |     NT 6.0, Windows NT 6.1, Windows NT 6.2"                                                      |
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    |    Memory consumption                                                                            |
    |    Roll.... 16192                                                                                |
    |    EM...... 1826770240                                                                           |
    |    Heap.... 0                                                                                    |
    |    Page.... 40960                                                                                |
    |    MM Used. 1815573536                                                                           |
    |    MM Free. 2717408                                                                              |
    |User and Transaction                                                                              |
    |                                                                                                  |
    |    Client.............. 500                                                                      |
    |    User................ 1651                                                                     |
    |    Language key........ "E"                                                                      |
    |    Transaction......... " "                                                                      |
    |    Transactions ID..... "ED4EA3E3AB0AF11DA318E61F131BC713"                                       |
    |                                                                                                  |
    |    Program............. "ZCL_IM__GTA_TAX_CODE==========CP"                                       |
    |    Screen.............. "SAPMSSY0 1000"                                                          |
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    |    Job Name....... "RFITEMGL"                                                                    |
    |    Job Initiator.. "BASIS"                                                                       |
    |    Job Number..... 09115400                                                                      |
    |Source Code Extract                                                                               |
    |Line |SourceCde                                                                                   |
    |   34|          MANDT TYPE BSEG-MANDT,                                                            |
    |   35|          BUKRS TYPE BSEG-BUKRS,                                                            |
    |   36|          BELNR TYPE BSEG-BELNR,                                                            |
    |   37|          GJAHR TYPE BSEG-GJAHR,                                                            |
    |   38|          BUZEI TYPE BSEG-BUZEI,                                                            |
    |   39|          QSSKZ TYPE BSEG-QSSKZ,                                                            |
    |   40|          KTOSL TYPE BSEG-KTOSL,                                                            |
    |   41|          HKONT TYPE BSEG-HKONT,                                                            |
    |   42|         END OF TY_BSEG,                                                                    |
    |   43|                                                                                            |
    |   44|         BEGIN OF TY_FINAL,                                                                 |
    |   45|           BUKRS TYPE BSEG-BUKRS,                                                           |
    |   46|           BELNR TYPE BSEG-BELNR,                                                           |
    |   47|           GJAHR TYPE BSEG-GJAHR,                                                           |
    |   48|         END OF TY_FINAL.                                                                   |
    |   49|                                                                                            |
    |   50|  DATA: CW_ITEMS TYPE RFPOSXEXT,                                                            |
    |   51|        GT_BSIK TYPE STANDARD TABLE OF TY_BSIK,                                             |
    |   52|        GW_BSIK TYPE TY_BSIK,                                                               |
    |   53|        GT_BSAK TYPE STANDARD TABLE OF TY_BSAK,                                             |
    |   54|        GW_BSAK TYPE TY_BSAK,                                                               |
    |   55|        GT_BSEG TYPE STANDARD TABLE OF TY_BSEG,                                             |
    |   56|        GW_BSEG TYPE TY_BSEG,                              &nb

    sap basis wrote:
    |Information on where terminated                                                                   |
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    |    Job Name....... "RFITEMGL"                                                                    |
    |    Job Initiator.. "BASIS"                                                                       |
    |    Job Number..... 09115400                                                                      |
    First of all try to optimize code.

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