How to Build Your Credit As an International Student

Hey there!

If you’re new to life in the U.S., there’s one thing you might not have thought about yet - but trust us, it’s important: your credit score.

Building credit might seem confusing, especially when you’ve just started settling in as an international student. But here’s the thing - credit isn’t just about borrowing money. A strong credit score can open doors for you long after graduation, from renting an apartment to buying a car, and even impacting future visa or green card applications.

Let’s walk you through what credit is, why it matters, and how you can start building it - even without a Social Security Number (SSN).

What Is a Credit Score and Why Should You Care?

A credit score is a number ranging from 300-850 that shows how trustworthy you are with money. Lenders, landlords, and even some employers use it to decide whether to approve you for things like loans, apartments, or phone plans. With a good credit score and long credit history you can be eligible for credit cards that offer great perks for travel, dining, groceries, etc.

The score is based on how you handle credit - things like how much you owe, whether you pay on time, and how long you’ve had credit. A higher score means you’re seen as less risky, and that can help you get better deals and more opportunities.

Even though you might not need credit (borrowed money) right now, starting early gives you a head start when you do.

How to Start Building Credit Responsibly

Here are a few simple tips to help you start strong:

• Use less than 30% of your credit limit. If your card has a $1,000 limit, try to keep your balance under $300.

• Always pay on time. Even missing one payment can hurt your score.

• Don’t apply for too many cards at once. One or two is plenty to begin with.

• Keep your free accounts open - the longer you have them, the better for your credit history.

These small habits can make a big difference over time.

Not an incoming or current international student? Fill out this quick survey so we can send you tailored content based on where you’re at in your international student journey.

How to Track Your Credit Safely

Once you’ve started building credit, it’s important to keep an eye on it. There are free tools like Credit Karma or tools from your bank that let you see your score and understand what’s helping or hurting it.

Monitoring your credit helps you stay in control - and shows you the progress you’re making.

Let Us Do The Heavy Lifting

Students have bigger things to worry about right now than moving, so don't bother with buying boxes, renting trucks, or coordinating move out logistics.

Here’s the deal:

• We bring boxes to your students

• We pick up everything from their room

• We keep it safe all summer

• We deliver it to their new place next semester, on or off campus

Storage Scholars handles everything you need to transition into summer break without breaking the bank.

Learn More

Can You Build Credit Without an SSN?

Yes, you can! Some banks and credit card companies now offer products specifically for international students - no SSN (Social Security Number) needed.

One of the best ways to start is with a credit card made for students like you. Our partner, Adro, offers a student-friendly credit card that doesn’t require an SSN to apply. It's designed to help international students build credit safely, while also giving you access to everyday banking services.

Learn more about how Adro makes managing money simple through this blog post.

Ready to Take the First Step?

If you're ready to start building your credit, Adro makes it simple. With no SSN required, you can get started right away and start laying the foundation for your financial future in the U.S.

Explore Adro’s Credit Card for International Students!

Credit is something that will stick with you beyond your student life, and the sooner you start building it, the more freedom and flexibility you’ll have later. If you have any questions, we’re here to help - feel free to reach out. 

Best,
The Roam Growth Team 🧡