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The Daily Insight Hub

Is your Social Security number connected to your credit?

Author

Rachel Davis

Updated on February 18, 2026

Rod Griffin, director of consumer education and awareness at Experian, said getting a new Social Security number won’t negatively impact your credit history or score. This is because your credit report is based on a variety of personal information, like past addresses, in addition to your financial accounts.

How do I use my SSN to buy on Amazon?

No. Your Social Security card is not a credit card or a debit card. You need either a credit card or a debit card linked to a bank account. If you don’t have either you can buy Amazon gift cards or prepaid Visa/MC/AX cards in many supermarkets and drugstores.

Can someone use my Social Security number with a different name?

A dishonest person who has your Social Security number can use it to get other personal information about you. Identity thieves can use your number and your good credit to apply for more credit in your name. We don’t give your number to anyone, except when authorized by law.

Can someone access my bank account with my social security number?

As soon as hackers have access to your SSN, they’ll have the ability to access your bank accounts, open new accounts in your name, open lines of credit and credit cards, obtain your tax return, take our loans, use your health coverage and open utilities and memberships in your name.

Will Amazon ever ask for your social security number?

The US Patriot Act and Internal Revenue Service (IRS) regulations require Amazon Payments to collect identifying information from you when you open certain account types. We may ask for your tax Identification number (SSN, EIN), legal name, physical address, and date of birth.

Can you use an ITIN credit card instead of a SSN?

You may be able to use an ITIN instead of a SSN on a credit application. Many credit card issuers, such as Capital One and Chase, will accept your application if you have an ITIN, or an EIN if you’re applying for a business credit card. You should understand, however, that an ITIN is not the same thing as a SSN.

Can a nonresident apply for a credit card without a SSN?

If you are not eligible to receive an SSN, you may apply for an Individual Taxpayer Identification Number (ITIN) by the IRS, which can be used to apply for credit cards. If you are a nonresident who is filing a tax return or a dependent/spouse of a U.S. citizen or visa holder, then you are required to have an ITIN.

Can a international student apply for a credit card without a Social Security number?

International students studying in the U.S. can apply for a Deserve® EDU Mastercard for Students without a social security number or ITIN. Instead, you’ll verify your identity by providing U.S. and permanent addresses and sharing information about what and where you’re studying.

Do you have to have Social Security number to apply for credit card?

If you are a nonresident who is filing a tax return or a dependent/spouse of a U.S. citizen or visa holder, then you are required to have an ITIN. This number follows the same nine-digit format as a SSN and can sometimes be used in place of a SSN when applying for a credit cards online, depending on the card issuer.