10 years ago, I was a new immigrant struggling to have my first credit card. Now, I have earned more than 5 million points. I completely understand how difficult to build credit at first. I hope my experience can help my readers. Additional CardsIf you have a very close family member with a valid credit card, you can request an additional card. I added my wife as my additional card user when she arrived in the US. Although the primary member needs to take full responsibility for the additional card, the additional card is reported to the additional card user’s credit report. I strongly recomme…