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MAJORITY Visa® Credit Card
Credit building and reporting
I have a good credit history in my home country. Can I use that in the U.S.?

I have a good credit history in my home country. Can I use that in the U.S.?

Unfortunately, credit history does not transfer between countries. Each country has its own credit reporting system, and U.S. credit bureaus (Experian, Equifax, and TransUnion) do not have access to your credit history from abroad.

This means that even if you had excellent credit in your home country, you'll be starting from scratch in the U.S. The good news is that you can start building U.S. credit right away with tools like MAJORITY Visa® credit card—no existing U.S. credit required.

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5 steps to get started with MAJORITY

5 steps to get started with MAJORITY

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5 steps to get started with MAJORITY
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Where to find your MAJORITY Card?
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How to add money to your MAJORITY account?
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How to pay instantly with MAJORITY Pay
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About

The MAJORITY app facilitates banking services through Axiom Bank, N.A. ("Axiom"), Member FDIC. The funds deposited in the account held at Axiom, Member FDIC, are FDIC-insured on a pass-through basis up to $250,000 per depositor in the event Axiom fails and subject to the satisfaction of certain conditions. The MAJORITY Visa® debit card is also issued by Axiom pursuant to a license from Visa U.S.A. Inc. Non-deposit products and services such as money transfers and telecom services are not FDIC-insured.


The Commissioner of Financial Regulation for the State of Maryland will accept all questions or complaints from Maryland residents regarding Majority Payment Services LLC (NMLS # 1991596) at 1100 North Eutaw Street, Suite 611, Baltimore, MD 21201, phone 888-784-0136.


Services may be provided by Majority Payment Services LLC (NMLS # 1991596). This licensed company may be verified through the NMLS consumer access website: https://www.nmlsconsumeraccess.org/


The MAJORITY Visa® Credit Card is issued by WebBank, member FDIC, pursuant to a license from VISA U.S.A. Inc. MAJORITY is not a bank or lender and is a technology company. Joining the waitlist does not constitute an application for credit and does not affect your eligibility or approval status. An application must be submitted to be considered for the card. Eligibility requirements apply, including but not limited to income and expense requirements, keeping your MAJORITY account in good standing, and establishing a security deposit account.


*Boost amount (i.e., the amount of the credit line increase) is up to 5% of the monthly on-time payment of at least the minimum payment due and is subject to other terms and conditions, including but not limited to an ability to repay check and a monthly cap in the credit card agreement.


**We report account information to one or more credit reporting agencies. Both positive and negative payment history impact your credit score. The impact of payment history on credit bureau scoring models will vary. Making on-time payments may help to build a credit profile for consumers without existing debt. Failure to make on-time payments will result in a negative history reported to credit reporting agencies and may negatively impact your credit score.

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