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Establishing Credit in the U.S.

In the United States, a strong credit rating is a critical component relative to all your financial dealings, affecting everything from what you pay for insurance to approval for a rental or cell phone contract. One of the smartest ways to establish good credit in the U.S. is to open a loan account. And while that's not typically a simple process for many foreign citizens, RBC Bank has the unique ability to help cross-border clients leverage their Canadian credit history to obtain a loan or line of credit.

Current lending options include:

  • RBC Bank Visa Signature Black Credit Cards
  • RBC Bank Visa Platinum Credit Cards
  • Mortgages
  • Personal Lines of Credit

When you apply for your first RBC Bank loan or line of credit, we can use your Canadian Social Insurance Number (SIN) to access your Canadian credit file and get the information we need to approve your application. Once your loan account is opened, you're building a credit history in the U.S. However, to ensure that your credit file is complete and reported accurately, you'll need a United States Social Security Number (SSN). For information on how to obtain one, please visit