How do I build credit in the US as a new immigrant?

Many immigrants arrive with no US credit history, making it difficult to get approved for credit cards, apartments, or auto loans. Steps to build credit from scratch: (1) Open a secured credit card — you deposit a security deposit (typically $200–$500) which becomes your credit limit. Use it for small purchases and pay in full each month. (2) Become an authorized user on a US citizen family member's credit card account. (3) Ask your bank about a credit-builder loan. (4) Once you have 6–12 months of history, apply for an unsecured card. (5) Keep your utilization below 30%, pay on time every time, and avoid opening multiple cards simultaneously. Learn more at wealthserene.com/immigrant-finance/credit-building.