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Filed: AOS (apr) Country: Netherlands
Timeline
Posted

They might be charging higher fees to those "customers", I would guess it's all about the profits they gain from this biz (BoA) and the heck with the rest! :whistle:

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Filed: IR-1/CR-1 Visa Country: Scotland
Timeline
Posted
Sheesh....and my legal immigrant hubby can't get a credit card :wacko:

Yeah, really ! My LPR hubby was denied $500 overdraft insurance due to lack of history !!!

BOA sucks !

"I have spread my dreams under your feet

Tread softly because you tread on my dreams"

-Yeats

Filed: Other Timeline
Posted
It's business.

And so is dope dealing, narcotics smuggling, pimping, kiddie porn, etc. It doesn't make it right and just because they (BoA) can do it...doesn't mean they should do it! :angry:

No, those are crimes. Offering a legitimate banking product to customers is hardly apples to apples, peejay.

And thanks to the Patriot Act, the government can get all the information it ever wants about those account holders from the Bank, so no need to fret yourselves over the products potential attractiveness to terrorists.

Filed: Other Country: Canada
Timeline
Posted

The article says that BoA is offering credit cards to those without either a credit history or a social security number or both -- the article then sneaks in the "typically illegal immigrants" phrase. As I read this, this plan is for anyone who meets that criteria, legal and illegal immigrant. So while it's a complete farce that illegal immigrants should be able to get a credit card, this plan might make it easier for legal immigrants to gain their first credit card as well.

The potential pitfalls of a credit card on this plan would probably be a very high APR and a relatively low credit limit. But, that's better nothing and it does build up a credit score, which is important.

What I don't understand is that the article also says that the plan is only open to those who've held a checking account with BoA for at least three months (without overdraft), but...as I recall, you need ID to get a checking account. Identification is generally in the form of a driver's license, and to get that, don't you need to prove you're an permanent resident or citizen? Granted, it veries from state to state, but I don't think (and I may be wrong) that any state would just hand out legal ID, such as driver's licenses, to illegal immigrants. Without any form of ID (or anyway to prove that they've becoming a permanent resident or citizen), how would they go about gaining a checking account in the first place in order to get the credit card? :huh:

Posted

Just wrong BOA is a crappy bank to deal with anywho. Glad i got rid of them long ago lol. They got robbed twice in my area lol.

Citizenship

Event Date

Service Center : California Service Center

CIS Office : San Francisco CA

Date Filed : 2008-06-11

NOA Date : 2008-06-18

Bio. Appt. : 2008-07-08

Citizenship Interview

USCIS San Francisco Field Office

Wednesday, September 10,2008

Time 2:35PM

Filed: Country: Belarus
Timeline
Posted
Without any form of ID (or anyway to prove that they've becoming a permanent resident or citizen), how would they go about gaining a checking account in the first place in order to get the credit card? :huh:

They use the Matricular Consular card they get from the Mexican consulate in Houston, TX USA and a Taxpayer Identification Number conveniently issued by our government without any proof of legal residency (oh, how convenient). It's good enough for BoA. They could care less if their customers are illegal aliens because they don't have to (and it is profitable). And apparently our retarded government could care less if illegal aliens get Taxpayer Identification Numbers either. They should!

Unfortunately doing anything to deter illegal aliens will cause the sky to fall and send the US economy into terminal bankruptcy. I wonder how the USA has survived all these years before the masses of illegal aliens arrived on the scene?

"Credibility in immigration policy can be summed up in one sentence: Those who should get in, get in; those who should be kept out, are kept out; and those who should not be here will be required to leave."

"...for the system to be credible, people actually have to be deported at the end of the process."

US Congresswoman Barbara Jordan (D-TX)

Testimony to the House Immigration Subcommittee, February 24, 1995

Filed: Country: Belarus
Timeline
Posted
It's business.

And so is dope dealing, narcotics smuggling, pimping, kiddie porn, etc. It doesn't make it right and just because they (BoA) can do it...doesn't mean they should do it! :angry:

No, those are crimes. Offering a legitimate banking product to customers is hardly apples to apples, peejay.

Offering legitimate banking products to illegal aliens should be a crime. Along with employing them illegally!

"Credibility in immigration policy can be summed up in one sentence: Those who should get in, get in; those who should be kept out, are kept out; and those who should not be here will be required to leave."

"...for the system to be credible, people actually have to be deported at the end of the process."

US Congresswoman Barbara Jordan (D-TX)

Testimony to the House Immigration Subcommittee, February 24, 1995

Filed: Timeline
Posted
It's business.

And so is dope dealing, narcotics smuggling, pimping, kiddie porn, etc. It doesn't make it right and just because they (BoA) can do it...doesn't mean they should do it! :angry:

No, those are crimes. Offering a legitimate banking product to customers is hardly apples to apples, peejay.

Offering legitimate banking products to illegal aliens should be a crime. Along with employing them illegally!

now you're just talkin subversive! :P

Filed: Other Country: United Kingdom
Timeline
Posted

As far as Credit cards go, this would seem to be a bit of a risk on the bank’s part. No SS or verifiable credit history surely means you’re going out on a limb and hoping that the customer isn’t going to rip you off. Isn’t that the reason why we have a credit score system?

BTW as a BOA account holder, I think I have that credit card…

Filed: Country: Belarus
Timeline
Posted
As far as Credit cards go, this would seem to be a bit of a risk on the bank’s part. No SS or verifiable credit history surely means you’re going out on a limb and hoping that the customer isn’t going to rip you off. Isn’t that the reason why we have a credit score system?

BTW as a BOA account holder, I think I have that credit card…

They will just pass along any losses incurred to their other customers. Did you expect any less?

"Credibility in immigration policy can be summed up in one sentence: Those who should get in, get in; those who should be kept out, are kept out; and those who should not be here will be required to leave."

"...for the system to be credible, people actually have to be deported at the end of the process."

US Congresswoman Barbara Jordan (D-TX)

Testimony to the House Immigration Subcommittee, February 24, 1995

Filed: AOS (apr) Country: Brazil
Timeline
Posted

Couldn't something like this protect Americans and LPRs from identity theft? I suppose most people who have stolen SSNs do so for work purposes already, but it could still reduce theft a little bit, right?

Filed: Country: Philippines
Timeline
Posted
The article says that BoA is offering credit cards to those without either a credit history or a social security number or both -- the article then sneaks in the "typically illegal immigrants" phrase. As I read this, this plan is for anyone who meets that criteria, legal and illegal immigrant. So while it's a complete farce that illegal immigrants should be able to get a credit card, this plan might make it easier for legal immigrants to gain their first credit card as well.

The potential pitfalls of a credit card on this plan would probably be a very high APR and a relatively low credit limit. But, that's better nothing and it does build up a credit score, which is important.

What I don't understand is that the article also says that the plan is only open to those who've held a checking account with BoA for at least three months (without overdraft), but...as I recall, you need ID to get a checking account. Identification is generally in the form of a driver's license, and to get that, don't you need to prove you're an permanent resident or citizen? Granted, it veries from state to state, but I don't think (and I may be wrong) that any state would just hand out legal ID, such as driver's licenses, to illegal immigrants. Without any form of ID (or anyway to prove that they've becoming a permanent resident or citizen), how would they go about gaining a checking account in the first place in order to get the credit card? :huh:

Good points! :yes::thumbs:

Filed: Citizen (pnd) Country: Mexico
Timeline
Posted

what bout the bunch of k1'ers that want to stablish credit but can't because they don't have yet their ss# or a credit history??

i've seen a looooottt of complaints here bout that.. so.. what's the big deal?

El Presidente of VJ

regalame una sonrisita con sabor a viento

tu eres mi vitamina del pecho mi fibra

tu eres todo lo que me equilibra,

un balance, lo que me conplementa

un masajito con sabor a menta,

Deutsch: Du machst das richtig

Wohnen Heute

3678632315_87c29a1112_m.jpgdancing-bear.gif

Posted
what bout the bunch of k1'ers that want to stablish credit but can't because they don't have yet their ss# or a credit history??

i've seen a looooottt of complaints here bout that.. so.. what's the big deal?

Those numbers are small compare to the number of illegal immigrants crossing our borders.

"The fact that we are here today to debate raising America’s debt limit is a sign of leadership failure. It is a sign that the U.S. Government can’t pay its own bills. It is a sign that we now depend on ongoing financial assistance from foreign countries to finance our Government’s reckless fiscal policies."

Senator Barack Obama
Senate Floor Speech on Public Debt
March 16, 2006



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