• I have had a loan or credit card for at least 5 years
• I have a credit card with a credit limit greater than $10,000
• I have NEVER been more than 60 days late on a credit card, medical bill or loan payment
• I have never declared bankruptcy

• I have had a loan or credit card for three years or more
• I have had a credit card with a limit above $5,000
• I have not been more than 60 days late on any credit card, medical bill, or loan payment in the last year

• I currently have or have had a U.S. loan or credit card
• My credit limit on a current credit card, if any, is less than $5,000
• I may have been late on more than one credit card, medical bill, or loan payment in the last six months

• I have had my own credit card for less than three years or never had one
• I have a limited credit history, for example I am a student, or new to the country, or a young person working for a living, or I have been an authorized user on someone else's credit card
• I have a valid credit score that can be found at one of the major credit reporting companies.
  (In some cases, a valid credit report is sufficient to be eligible for a credit card.)

The major credit reporting companies are TransUnion (www.transunion.com), Experian (www.experian.com) and Equifax (www.equifax.com). Please visit these sites for more information.