{"id":26772,"date":"2025-11-26T09:43:39","date_gmt":"2025-11-26T14:43:39","guid":{"rendered":"https:\/\/website-new.qa.mpowerfinancing.com\/pt\/blog\/credit-cards-for-f-1-students-how-to-get-approved-and-use-them-smartly"},"modified":"2025-12-30T07:46:07","modified_gmt":"2025-12-30T07:46:07","slug":"credit-cards-for-f-1-students-how-to-get-approved-and-use-them-smartly","status":"publish","type":"post","link":"https:\/\/www.mpowerfinancing.com\/pt\/blog\/credit-cards-for-f-1-students-how-to-get-approved-and-use-them-smartly","title":{"rendered":"Cart\u00f5es de Cr\u00e9dito para Estudantes F-1: Como Ser Aprovado e Us\u00e1-los de Maneira Inteligente"},"content":{"rendered":"<p class=\"c0\"><span class=\"c2\" style=\"font-weight: 400\">Como estudante internacional nos EUA, usar um cart\u00e3o de cr\u00e9dito de forma respons\u00e1vel pode ajud\u00e1-lo a construir uma base financeira s\u00f3lida. Mas conseguir a aprova\u00e7\u00e3o para um sem hist\u00f3rico de cr\u00e9dito, n\u00famero do Seguro Social ou renda nos EUA pode parecer confuso.<\/span><\/p>\n<p class=\"c0\"><span class=\"c2\" style=\"font-weight: 400\">A boa not\u00edcia \u00e9 que alguns emissores de cart\u00f5es de cr\u00e9dito est\u00e3o abertos a estudantes F-1, e existem maneiras inteligentes de usar um cart\u00e3o de cr\u00e9dito que podem melhorar seu futuro financeiro. Veja como come\u00e7ar.<\/span><\/p>\n<h2 class=\"c8\" id=\"h.xmdlwi1dwgu5\"><span class=\"c3\" style=\"font-weight: 700\">Por que os estudantes F-1 podem querer um cart\u00e3o de cr\u00e9dito<\/span><\/h2>\n<p class=\"c0\"><span class=\"c2\" style=\"font-weight: 400\">Ter um cart\u00e3o de cr\u00e9dito pode ser \u00fatil para mais do que apenas emerg\u00eancias. Ele permite que voc\u00ea:<\/span><\/p>\n<ul class=\"c17 lst-kix_orrlz814cb8i-0 start\">\n<li class=\"c0 c1 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">Fa\u00e7a compras online seguras<br \/><\/span><\/li>\n<li class=\"c0 c1 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">Evite carregar grandes quantidades de dinheiro<br \/><\/span><\/li>\n<li class=\"c0 c1 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">Construa um hist\u00f3rico de cr\u00e9dito nos EUA para futuros empr\u00e9stimos ou moradia<br \/><\/span><\/li>\n<li class=\"c0 c1 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">Acompanhe seus gastos e comece h\u00e1bitos financeiros cedo<br \/><\/span><\/li>\n<\/ul>\n<p class=\"c0\"><span>Usar um cart\u00e3o de cr\u00e9dito de maneira inteligente tamb\u00e9m mostra aos credores que voc\u00ea \u00e9 confi\u00e1vel, o que pode ajudar com decis\u00f5es financeiras maiores al\u00e9m de <\/span><span class=\"c14\"><a class=\"c6\" href=\"https:\/\/www.mpowerfinancing.com\/pt\/financial-empowerment\/financing-education\">financiar a educa\u00e7\u00e3o.<\/a><\/span><\/p>\n<h2 class=\"c8\" id=\"h.41kngdnjvfpc\"><span class=\"c3\" style=\"font-weight: 700\">O que torna a obten\u00e7\u00e3o de um cart\u00e3o desafiadora para estudantes internacionais?<\/span><\/h2>\n<p class=\"c0\"><span class=\"c2\" style=\"font-weight: 400\">A maioria das solicita\u00e7\u00f5es de cart\u00e3o de cr\u00e9dito nos EUA pede:<\/span><\/p>\n<ul class=\"c17 lst-kix_cb7apdo1vby-0 start\">\n<li class=\"c0 c1 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">Um n\u00famero do Seguro Social<br \/><\/span><\/li>\n<li class=\"c0 c1 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">Renda baseada nos EUA<br \/><\/span><\/li>\n<li class=\"c0 c1 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">Hist\u00f3rico de cr\u00e9dito ou uma pontua\u00e7\u00e3o de cr\u00e9dito<br \/><\/span><\/li>\n<\/ul>\n<p class=\"c0\"><span class=\"c2\" style=\"font-weight: 400\">Como estudante F-1, voc\u00ea pode n\u00e3o ter nenhum desses quando chegar pela primeira vez. Isso n\u00e3o significa que voc\u00ea n\u00e3o possa ser aprovado, apenas significa que voc\u00ea precisar\u00e1 explorar outras op\u00e7\u00f5es.<\/span><\/p>\n<h2 class=\"c8\" id=\"h.ykjcfi2lh44y\"><span class=\"c3\" style=\"font-weight: 700\">Op\u00e7\u00f5es de cart\u00e3o de cr\u00e9dito para estudantes F-1<\/span><\/h2>\n<p class=\"c0\"><span class=\"c2\" style=\"font-weight: 400\">Aqui est\u00e3o algumas maneiras comuns de os estudantes internacionais obterem seu primeiro cart\u00e3o:<\/span><\/p>\n<h3 class=\"c27\" id=\"h.mg01n7t8956n\"><span class=\"c12\" style=\"font-weight: 700\">1. Cart\u00e3o de cr\u00e9dito garantido<\/span><\/h3>\n<p class=\"c0\"><span class=\"c2\" style=\"font-weight: 400\">Um cart\u00e3o garantido requer um dep\u00f3sito, que geralmente se torna o seu limite de cr\u00e9dito. Por exemplo, se voc\u00ea depositar US$300, esse ser\u00e1 o valor que voc\u00ea pode gastar.<\/span><\/p>\n<p class=\"c0\"><span class=\"c2\" style=\"font-weight: 400\">Pr\u00f3s:<\/span><\/p>\n<ul class=\"c17 lst-kix_f5s0h1v4zijl-0 start\">\n<li class=\"c0 c1 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">Aprova\u00e7\u00e3o mais f\u00e1cil sem hist\u00f3rico de cr\u00e9dito<br \/><\/span><\/li>\n<li class=\"c0 c1 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">Relat\u00f3rios para ag\u00eancias de cr\u00e9dito para que voc\u00ea construa cr\u00e9dito<br \/><\/span><\/li>\n<li class=\"c0 c1 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">Bom para aprender como o cr\u00e9dito funciona<br \/><\/span><\/li>\n<\/ul>\n<p class=\"c0\"><span class=\"c2\" style=\"font-weight: 400\">Apenas certifique-se de que o emissor do cart\u00e3o relata sua atividade para todas as tr\u00eas ag\u00eancias de cr\u00e9dito e cobra taxas anuais baixas ou inexistentes.<\/span><\/p>\n<h3 class=\"c27\" id=\"h.urwgoar8rm9\"><span class=\"c12\" style=\"font-weight: 700\">2. Cart\u00e3o de cr\u00e9dito estudantil para estudantes internacionais<\/span><\/h3>\n<p class=\"c0\"><span class=\"c2\" style=\"font-weight: 400\">Alguns bancos oferecem cart\u00f5es estudantis com menos requisitos. Voc\u00ea pode precisar mostrar:<\/span><\/p>\n<ul class=\"c17 lst-kix_b791y2yf3150-0 start\">\n<li class=\"c0 c1 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">Um passaporte<br \/><\/span><\/li>\n<li class=\"c0 c1 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">Comprovante de matr\u00edcula<br \/><\/span><\/li>\n<li class=\"c0 c1 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">Um endere\u00e7o nos EUA<br \/><\/span><\/li>\n<li class=\"c0 c1 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">Um N\u00famero de Identifica\u00e7\u00e3o do Contribuinte Individual (ITIN)<br \/><\/span><\/li>\n<\/ul>\n<p class=\"c0\"><span class=\"c2\" style=\"font-weight: 400\">Verifique se a sua institui\u00e7\u00e3o de ensino tem parceria com algum banco ou cooperativa de cr\u00e9dito que ofere\u00e7a cart\u00f5es de cr\u00e9dito para estudantes internacionais.<\/span><\/p>\n<h3 class=\"c27\" id=\"h.278g41k4ergg\"><span class=\"c12\" style=\"font-weight: 700\">3. Torne-se um usu\u00e1rio autorizado<\/span><\/h3>\n<p class=\"c0\"><span class=\"c2\" style=\"font-weight: 400\">Se um amigo ou familiar j\u00e1 tem um cart\u00e3o de cr\u00e9dito, eles podem adicion\u00e1-lo como um usu\u00e1rio autorizado. Voc\u00ea compartilhar\u00e1 a conta do cart\u00e3o, mas seu nome \u00e9 adicionado ao relat\u00f3rio de cr\u00e9dito.<\/span><\/p>\n<p class=\"c0\"><span class=\"c2\" style=\"font-weight: 400\">Isso pode ajud\u00e1-lo a construir cr\u00e9dito sem solicitar por conta pr\u00f3pria, mas depende dos h\u00e1bitos de cr\u00e9dito da outra pessoa. Tente isso apenas com algu\u00e9m de confian\u00e7a.<\/span><\/p>\n<h2 class=\"c8\" id=\"h.o0givvwps4es\"><span class=\"c3\" style=\"font-weight: 700\">Como melhorar suas chances de aprova\u00e7\u00e3o<\/span><\/h2>\n<ul class=\"c17 lst-kix_2ajlq5h8mktm-0 start\">\n<li class=\"c0 c1 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">Abra uma conta corrente ou poupan\u00e7a nos EUA primeiro.<br \/><\/span><\/li>\n<li class=\"c0 c1 li-bullet-0\"><span>Fortale\u00e7a a sua solicita\u00e7\u00e3o mostrando uma oferta de emprego, dep\u00f3sitos regulares de patrocinador ou prova de um empr\u00e9stimo estudantil MPOWER sem avalista aprovado.<\/span><\/li>\n<li class=\"c0 c1 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">Candidate-se em um banco que aceita estudantes internacionais e ITINs.<br \/><\/span><\/li>\n<li class=\"c0 c1 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">Evite candidatar-se a v\u00e1rios cart\u00f5es de uma vez.<br \/><\/span><\/li>\n<\/ul>\n<p class=\"c0\"><span class=\"c2\" style=\"font-weight: 400\">Cada solicita\u00e7\u00e3o cria uma consulta de cr\u00e9dito, ent\u00e3o concentre-se em uma op\u00e7\u00e3o s\u00f3lida de cada vez.<\/span><\/p>\n<h2 class=\"c8\" id=\"h.xtrqmhohas8s\"><span class=\"c3\" style=\"font-weight: 700\">Como usar seu cart\u00e3o de cr\u00e9dito com sabedoria<\/span><\/h2>\n<p class=\"c0\"><span class=\"c2\" style=\"font-weight: 400\">Uma vez aprovado, a maneira como voc\u00ea usa seu cart\u00e3o importa. Tenha estas dicas em mente:<\/span><\/p>\n<ul class=\"c17 lst-kix_fletshu2oj2t-0 start\">\n<li class=\"c0 c1 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">Pague seu saldo integralmente todos os meses para evitar juros.<br \/><\/span><\/li>\n<li class=\"c0 c1 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">N\u00e3o gaste mais do que 30 por cento do seu limite de cr\u00e9dito.<br \/><\/span><\/li>\n<li class=\"c0 c1 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">Configure o pagamento autom\u00e1tico para nunca perder uma data de vencimento.<br \/><\/span><\/li>\n<li class=\"c0 c1 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">Use seu cart\u00e3o para pequenas despesas regulares, como compras de supermercado ou assinaturas.<br \/><\/span><\/li>\n<li class=\"c0 c1 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">Verifique seus extratos todos os meses para erros ou fraudes.<br \/><\/span><\/li>\n<\/ul>\n<p class=\"c0\"><span class=\"c2\" style=\"font-weight: 400\">Usar seu cart\u00e3o de forma consistente e cuidadosa \u00e9 a melhor maneira de construir um bom hist\u00f3rico de cr\u00e9dito.<\/span><\/p>\n<h2 class=\"c8\" id=\"h.d7p49kgdn7r\"><span class=\"c3\" style=\"font-weight: 700\">Como a MPOWER Financing apoia estudantes sem hist\u00f3rico de cr\u00e9dito nos EUA<\/span><\/h2>\n<p class=\"c0\"><span>Obter seu primeiro cart\u00e3o de cr\u00e9dito \u00e9 mais f\u00e1cil quando sua base financeira \u00e9 forte. A MPOWER Financing oferece <\/span><span class=\"c14\"><a class=\"c6\" href=\"https:\/\/www.mpowerfinancing.com\/pt\/financial-empowerment\/no-cosigner-student-loans\">empr\u00e9stimos estudantis privados<\/a><\/span><span class=\"c2\" style=\"font-weight: 400\">\u00a0para portadores de visto F-1 sem necessidade de uma pontua\u00e7\u00e3o de cr\u00e9dito nos EUA ou avalista.<\/span><\/p>\n<p class=\"c0\"><span>Com a MPOWER, voc\u00ea pode:<\/span><\/p>\n<ul class=\"c17 lst-kix_ku7ouv6m3yif-0 start\">\n<li class=\"c0 c1 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">Demonstrar estabilidade financeira para bancos e cooperativas de cr\u00e9dito<br \/><\/span><\/li>\n<li class=\"c0 c1 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">Construir hist\u00f3rico de cr\u00e9dito atrav\u00e9s do reembolso pontual do empr\u00e9stimo (MPOWER reporta para as ag\u00eancias de cr\u00e9dito)<br \/><\/span><\/li>\n<li class=\"c0 c1 li-bullet-0\"><span class=\"c2\" style=\"font-weight: 400\">Aprender habilidades de finan\u00e7as pessoais atrav\u00e9s de recursos gratuitos<br \/><\/span><\/li>\n<\/ul>\n<p class=\"c0\"><span class=\"c2\" style=\"font-weight: 400\">A MPOWER ajuda estudantes internacionais a assumir o controle de suas finan\u00e7as e se preparar para o longo prazo. <\/span><\/p>\n<h2 class=\"c8\" id=\"h.pkjq3jk6t8sa\"><span class=\"c3\" style=\"font-weight: 700\">Comece pequeno e construa de forma inteligente<\/span><\/h2>\n<p class=\"c0\"><span class=\"c2\" style=\"font-weight: 400\">Um cart\u00e3o de cr\u00e9dito n\u00e3o \u00e9 apenas uma ferramenta de gastos, \u00e9 uma maneira de mostrar que voc\u00ea \u00e9 financeiramente respons\u00e1vel. Comece com um cart\u00e3o que atenda \u00e0s suas necessidades, pague suas contas pontualmente e veja seu cr\u00e9dito crescer.<\/span><\/p>\n<p class=\"c0\"><span class=\"c2\" style=\"font-weight: 400\">Mesmo como um estudante internacional, voc\u00ea pode construir um perfil de cr\u00e9dito forte que apoia seus objetivos por muitos anos.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Aprenda quais cart\u00f5es de cr\u00e9dito s\u00e3o melhores para estudantes F-1 e como us\u00e1-los sabiamente para construir um hist\u00f3rico financeiro s\u00f3lido, cr\u00e9dito e evitar d\u00edvidas.<\/p>\n","protected":false},"author":24,"featured_media":37878,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[22],"tags":[],"class_list":["post-26772","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-all-blogs"],"acf":[],"yoast_head":"<!-- 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