【】
SelfScore launched its first product last summer with relatively little fanfare: a credit card for international students.。
On Tuesday, it launched a new card with a much higher spending limit in a very different political climate. Its credit cards serve international students from all over the world --including the seven countries (Syria, Iraq, Iran, Sudan, Libya, Yemen and Somalia) named in President Donald Trump's first travel ban, which was halted in court.。
SelfScore uses analytics to provide access to credit to international students in the United States who don't have a Social Security number or other identifying factors usually required to gain access to credit, loans and financial aid. 。
"These people who have so many credentials and indicators of creditworthiness, the traditional system doesn’t see them. They’re invisible," said Pat Nicholson, SelfScore's vice president of marketing.。

SEE ALSO:India wants to make credit and debit cards obsolete for payments。
SelfScore instead relies on machine learning and data to assess eligibility and creditworthiness, without needing the traditional FICO score. The startup considers education, future earning potential and other qualitative factors to show how someone who's ineligible for a credit card from a traditional bank would contribute to the economy when granted access to credit in the United States.。
"The traditional system doesn’t see them. They’re invisible."。
The startup introduced its first credit card, a MasterCard with a $1,500 limit, in June. This week it added to the lineup a second card with a $5,000 limit. The cards build credit so that international students still in school now will have the foundation needed to buy a home, for example, in a few years.。
Other fintech startups are finding ways to serve potential customers without FICO scores, too. Float, for one, uses similar measures to grant small, short-term loans to cover things like broken laptops and music festival tickets. Those micro-loans can also build credit for young customers.。SEE ALSO:New fund puts $141 million toward digital finance in the developing world。
For right now, SelfScore is still only serving international students. But financial products that serve people without Social Security numbers could have much wider applications: for new immigrants besides students and for the undocumented, for example. 。
SelfScore is staying focused on international students for now in part to make clear the financial contribution these students make to the United States, along with their cultural and professional contributions. The startup found in a commissioned report that tuition costs for U.S. students would rise 32 percent without the subsidies tuition-paying international students provide to the public education system.。
Featured Video For You 。
Featured Video For You 。This futuristic tiny home switches rooms by rotating like a washing machine。
相关文章

Over 82,000 evacuate as Blue Cut fire rapidly spreads in southern California
A rapidly spreading wildfire in southern California's Cajon Pass has grown in hot, dry weather, thre2025-10-30
South Africa vs. Nepal 2024 livestream: Watch T20 World Cup for free
TL;DR:Watch South Africa vs. Nepal in the 2024 Men's T20 World Cup for free on Disney+ Hotstar. Acce2025-10-30
Stephen King shares his 2 line review of 'A Quiet Place: Day One'
As well as giving Elon Musk a hard time, Stephen King likes to spend his time on X (formerly Twitter2025-10-30
25 best movies on Netflix to stream now (June 2024)
All right, you want the best of the best? Then we're gonna give it to you.After scouring Netflix for2025-10-30
'Rocket League' Championship Series Season 2 offers $250,000 prize pool
Rocket League。's competitive scene is just getting started.。The 。 Rocket League 。Championship Series i2025-10-30
TikTok video sparks conversation about inflation
The latest trend on TikTok? Inflation.TikTok user @sewerlidd claims that their grocery haul price qu2025-10-30


最新评论