Originally Posted by
photaco
My understanding is that Puerto Rico banks only accept credit card applications from Puerto Rico. I don't know if USA banks accept credit card applications from Puerto Rico, but given the former, I would not classify PR as USA when talking about credit cards...
Many USA based banks accept applications from PR (Chase, Citi, Amex, Discover, BoA/Fidelity, many CUs), and those that don't will allow you to keep your accounts open (like my Cap1 Quicksilver and my Barclays AA Aviator).
PR banks "don't" accept applications from non PR residents, but they will allow you to keep an account open if you move off island. I use "don't", because I know of a handful posters on this board that applied BPPR AAdvantage cards for the bonus, and were able to get them.
Furthermore PR banks are FDIC members and pull US credit reports (generally TU, but a few EQ/EX pullers exist).