like i literally know so many people who have been here only a little over a year and are already drowning in credit card loans, when my family emigrated my mom got a credit card less than a year into living here. migrants get credit cards all the time its super normal are u sure we are even talking about the same country here.

Lol, this makes no sense. First of all the credit cards they typically give have very low credit lines, often depending on the amount you deposit. So even if they got a card it wouldn't be possible to rack up a lot of debt. Secondly, if you have no credit rating and you do rack up debt, your credit rating is going to be awful and you won't be able to get better cards.

One of the only ways to build up your credit at this stage is to use your card responsibly and keep it paid off. That's unless you have someone who can co-sign your applications, or become an authorized user on someone else's account.

doesnt really matter how much of a pain in the ass it would have been for the student if his plan was to do this its perfectly doable.

Oh yeah, I'm going to go from having no established credit, to being able to rack up 140k in unsecured credit in 4 years, on a student visa. Bullshit.