<prompt> Human: I am Canadian citizen, 28, with a very good credit history, active CAN credit card I occasionally use, and an active CAN debit card with a small student loan Im almost done paying off.I currently live and work in the US California, and have for the last 5 months. I have a Wells Fargo bank account debit card with salary direct-deposit. I cannot get approved for anything but a US secured 300 card. I would agree to this, but it seems unbelievable that my Canadian credit does not get me ANYTHING. Is a secured card really my only choice?  <response>: Is a secured card really my only choice? Nope. You can get a US-based credit card from your current Canadian bank. The big 5 own some US banks which will let you open a real credit card using your Canadian history. They report to the US credit bureaus. So once you have a few months of payments then you can get a better card. 