I am an international graduate student on an ITIN (I recieve fellowship and not assistantship so I am not eligible for SSN). I will be changing to a job that allows me to have an SSN next July.
Right now, I have several debit card and a few credit cards (Citi is unsecured, rest are secured). I intend to create a good credit record which I obviously can't do through a debit card.
My questions are:
If I use my credit card on my ITIN and behave like a good guy (paying everything on time), will it create history for my SSN next year or will I have to start from scratch?
I have an option of using a secured card v/s an unsecured one. Which one is better from the view of my credit history?