Ike
Shelton,#2Consumer Comment
Sun, January 02, 2005
I am a US citizen (all my life). I have excellent credit (own my own home (no mortgage), own my own car, pay all bills on time) and Bank of America would not give me a credit card. Why - with all my good credit plus having 2 checking accounts (that are NEVER overdrawn)with them - why was I rejected? Because my mailing address is outside the States. I work outside the States and send almost all the earnings to my bank. They will give a credit card to a college student who is unemployed, but not to me. Talk about discrimination. So, of course when I get back to the States permanently my BOA accounts are being closed.
Bob
Raleigh,#3Consumer Comment
Sat, January 01, 2005
As someone with over 15 years in credit card before entering government, I think I can respond to you and ease your concerns. No, it's not prejudice. It's just economics. You need to understand that, if you chose to return home, U.S. collection procedures would be virtually useless in recovering the outstanding balance. With this in mind, many credit grantors choose to restrict their customer base to U.S. citizens. Don't take it personally.
S.n.
Bucyrus,#4Consumer Suggestion
Sat, January 01, 2005
Citibank does NOT have a good reputation in the US. Do a quick search on Rip-Off Report for Citibank. You will find a lot of problems with this company. Perhaps they refused to give you a credit card because if they do try to rip you off, you can go home and don't have to hassle with them?