In this article, we’re taking a look at the credit cards that use Equifax to assess the credit history of card applicants.
That said, if you don’t already have a credit history in the United States, it’s unlikely that you will show up in any of the credit bureaus.
With this in mind, we have created several free resources to help foreigners and non-residents successfully obtain US credit cards.
These resources range from how to apply for US credit cards for European residents to US credit cards without an ITIN or SSN – you can click here to start with them now.
Feel free to use the table of contents to jump ahead to the sections most relevant to you.
Table of Contents
- Credit Cards That Use Equifax
- What Credit Card Company Pulls From Equifax Only?
- Frequently Asked Questions
- Ready to Open Accounts With Banks in the USA?
Credit Cards That Use Equifax
Credit cards that use Equifax to verify the credit history of personal applicants include Chase, Citi, Capital One, Discover, HSBC, PenFed, USAA, and Wells Fargo. That said, in many instances, credit card issuers will use multiple credit bureaus and not Equifax exclusively. Additionally, in certain instances, Equifax may be used when applying for cards in one state but not others, as is the case with Wells Fargo.
That said, if you are new to the US or have yet to establish a credit history, you will need to start there. Not surprisingly, this process can take anywhere from three to six months to begin. Not to mention, it often requires you to get a secured card or use an alternative method to secure cards first.
Of course, if you are a US citizen or US resident, then you should be able to apply for cards directly. But, if you are a foreign non-resident, there are other tactics that you will need to try in order to obtain cards instead.
If you’re interested in learning more about credit card options for foreigners, including how much a secured credit card will increase your score, you can use our free article linked here to get started.
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What Credit Card Company Pulls From Equifax Only?
It’s impossible to confirm which credit card company pulls exclusively from Equifax since no credit card company outwardly confirms the bureaus they use. Additionally, in most cases, credit card companies use multiple bureaus to pull credit history in order to get a complete assessment of an applicant’s creditworthiness.
Obtaining a Credit Score
If you are a foreign non-resident, you will need to establish a credit score (or credit history) before directly applying for credit cards in the US. That said, there are alternative ways to obtain US credit cards. We outline these alternatives in our dedicated US credit card report.
Individuals who have credit cards need to also be aware of notification alerts, such as a bank mobile alert saying your Visa card is locked and how to properly navigate that process.
Frequently Asked Questions
Below are two of the most common questions that we receive from people looking into credit cards that use Equifax. If you have further questions you would like answered, don’t hesitate to get in touch with us directly.
What Banks Use Equifax for Credit?
The banks that use Equifax for credit pulls include Chase, Citi, Capital One, Discover, HSBC, PenFed, USAA, and Wells Fargo. That said, in most cases, these banks will use more than just one credit bureau in order to assess an applicant’s credit history.
What Credit Cards Pull From All 3 Credit Bureaus?
Generally speaking, all major credit card issuers say they use all three credit bureaus to assess the creditworthiness of an applicant. That said, in practice, it’s more likely that they pull credit history from one or two of the bureaus during an assessment.
Ready to Open Accounts With Banks in the USA?
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