Get the basics in place
Most credit products ask for a Social Security Number (SSN). As an F-1 student you can usually get one once you have on-campus employment or authorized work. If you can't get an SSN yet, some banks and secured cards accept an ITIN instead — ask before you apply.
Open a checking and savings account at a bank or credit union first. A banking relationship makes it easier to get approved for your first card later.
Start with a secured card
A secured card is the most reliable first step. You put down a refundable deposit (often $200) that becomes your limit, use it for small purchases, and pay on time. After several months of on-time payments it reports positive history to the bureaus — the foundation of your score.
Look for a card with no annual fee that reports to all three bureaus. Many student-focused and credit-union cards do.
Become an authorized user
If you have a trusted friend or relative with a good, older U.S. credit card, ask to be added as an authorized user. Their on-time history can appear on your file and give you a head start — you don't even need to use the card.
Only do this with someone whose account is in good standing; their mistakes can land on your file too.
Keep it simple and steady
Use a little, pay in full, never miss. Keep your balance well under your limit and don't apply for lots of accounts at once. In six to twelve months you'll have a real score that follows you into apartments, car loans, and eventually a mortgage.
Building U.S. credit as a newcomer is mostly about starting early and paying on time. Subefy walks you through each step in your language, matches you to cards you're likely to qualify for, and tracks every on-time month. Credit disputes are always free.