... opened my 1st credit card (Bank Of America) a few days after I turned 18. After having that beginner card for a few months I was able to get approved for an AmEx card, followed by Chase, CapOne and all the rest. One fine day, a few years later, I received a letter in the mail from BOA stating that they would be closing my card due to inactivity! Immediately, my credit score dropped by about 50 points since ... ... Canadian. At least she's an American citizen, but she had ZERO USA credit history under her name. I made her an additional user one of my Chase cards, and eventually was able to get her approved for the CapOne