Report: Immigrant Credit Applicants Facing Restrictions

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Chase Bank may be restricting access to personal credit cards for those applicants who have a Social Security Number (SSN) that requires authorization from the Department of Homeland Security for work. While the limitations aren’t certain, it’s something with which many U.S. residents will likely have to contend. Here’s what you need to know about the Chase restrictions on non-immigrant visas, and how to increase your approval odds.

Some Chase Credit Card Applicants Facing Immigration Restrictions


indicate that Chase credit card applicants with non-immigrant visas are struggling to get approved for new credit cards from the bank. According to several users on popular forums, requests for additional information for those individuals with a Department of Homeland Security (DHS) authorized SSN is the primary cause of rejections.

Other Banks with Similar Policies

This DHS authorization SSN issue isn’t unique to Chase Bank. Wells Fargo also has a similar policy in place – as does online investment company, SoFi, according to reports. Wells Fargo has residency and availability language explicitly written into its personal credit card applications: “This credit card is only available to citizens and permanent resident aliens of the U.S. who have an unrestricted Social Security number or ITIN” (Individual Taxpayer Identification Number).

How to Improve Your Approval Odds when Applying

These potential restrictions of Chase credit cards to U.S. citizens and permanent residents (green card holders) are not certain. Those with a DHS authorization SSN and a prior relationship with Chase don’t seem to be having issues getting new credit cards with the bank.

Additionally, those who are proactive and willing to put in the hard work seem to have better approval odds after initial rejections. This process involves:

  • Reaching out to the Chase reconsideration line
  • Ensuring your green card is up to date
  • Always updating your immigration documentation as soon as possible

Chase, like other banks, doesn’t necessarily ask questions about your citizenship when applying for a credit card. That doesn’t mean, however, that they won’t.

Don’t Be Afraid to Call the Bank’s Reconsideration Line

Before applying for any credit card, make sure you read the terms and conditions and any other relevant information thoroughly. Like Wells Fargo, most credit card issuers explain who can – and can’t – apply for their products in clear language.

If you have difficulty getting a credit card you believe you should get, don’t be afraid to contact the bank’s reconsideration phone line. When calling a reconsideration line, be sure to have all the relevant information you’ll need. You will have the chance to explain your case to a credit card and loan specialist, and state why you believe you deserve the card.

Related Article: Increase Your Credit Card Approval Odds During COVID-19

About: Cory
Cory Santos

Cory is's "Jack of all trades" and resident credit expert, covering all facets of the credit card space. Cory holds academic degrees in both the U.S. and U.K. In addition to credit cards, Cory finds that jogging, cats, and memes are essential parts of a balanced day.

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