Thread: Bank of America offering credit cards to illegal immigrants

I just called B of A to protest this. They said the credit cards are fully insured and the people who apply for them have to have the money up front. For a $500 credit card they have to have $500. So I brought up the pilot program for home loans they did last year and that I read they plan to expand it.

I told them I'm shopping for a home and I will keep my 2 accounts with them (all true) so I meet the requirements that they have for illegal immigrants. But when I apply for a home loan I will refuse a credit check. The guy said I have to have a credit check. I said "OH NO, no double standards here. You can't have higher requirements for citizens than illegals" I further told him if I was refused financing on that basis or for credit I will sue them for discrimination. The guy got exasperated and kept trying to go back to the credit cards. I kept steering him back to double standards and promotion of illegal activity. At the end he said he understood what I was saying. I told him it's important that B of A understand that point because I surely won't be the only citizen who would take action like that.

Originally Posted by cvangel

I just called B of A to protest this. They said the credit cards are fully insured and the people who apply for them have to have the money up front. For a $500 credit card they have to have $500. So I brought up the pilot program for home loans they did last year and that I read they plan to expand it.

I told them I'm shopping for a home and I will keep my 2 accounts with them (all true) so I meet the requirements that they have for illegal immigrants. But when I apply for a home loan I will refuse a credit check. The guy said I have to have a credit check. I said "OH NO, no double standards here. You can't have higher requirements for citizens than illegals" I further told him if I was refused financing on that basis or for credit I will sue them for discrimination. The guy got exasperated and kept trying to go back to the credit cards. I kept steering him back to double standards and promotion of illegal activity. At the end he said he understood what I was saying. I told him it's important that B of A understand that point because I surely won't be the only citizen who would take action like that.

Good for you cvangel...it is about time these banks addressed the real problem...their loyalty to the almighty dollar instead of to their legal citizens.

I'm am quite fatigued today (I have been playing babysitter to grandson and others, for about 6 days now, plus my own 13 and 9 year olds) and this has hit on my last nerve.

I had thought of caling B of A and telling them their initials must stand for Bunch of A****, but I had to rethink that and tell myself I was not in a good place to be calling them, and I would leave it to a time when I was thinking with my head instead of my fatigue (which winds up being my mouth!).

CV, I do not have an account with them, but on my better day, I think I am going to go in and sit down and make the same point, face to face, I'm really good at this, and I am usually loud enough so that ALL can hear.

However, here was a thought. I think a flier made up, with this information on their double standards about loans would be good, stand on the public sidewalk in front of Bunch-o-A**** bank and hand them out to people who are coming and going as well as people walking by.

Make sure to let everyone know that as Americans they would have to prove everything to get a loan, but criminal illegal aliens can go right in get an account, keep it for 6 month, of course with no negative balance, then simply get a loan, and once they have done that, they also can get a home loan with the other program, all because they are Latino illegal aliens, but NO you Americans have to take it up the......in order to even open the account!!!

I told you all I was running on fatigue, it will get uglier as the day wears on.

That's a good idea Elizabeth! Sorry you're fatigued but it's the best kind of fatigue isn't it?

swatchick,
That is a very pertinent example of how Americans are going to be bent over when the illegals default on their loans and cc's.

The illegals' identity is PRE-fraudulent so whoever the REAL person is can expect a call from BofA (and all the other financial institutions) demanding payment for stolen or defaulted monies they have nothing to do with.

Furthermore, when they lend money to an illegal (using a false identity) without doing a credit, immigration status check they are causing harm to an innocent American citizen deliberately and with the intent to defraud and profit.

When they give credit cards to illegals with unknown identities they are also deliberately legitimizing criminals and injecting them into OUR financial system that WE as AMERICANS have to bo business in and pay for? WE pay DIRECTLY for all the defaults in higher int rates and late penalties.

When they DO give ss#'s to the bank, they are stolen from Americans so if they do not check the validity they are again doing harm to an American deliberatley and with the intent to profit? This is criminal activity by the banks who report us to the credit bureaus and collection agencies for crimes commited by criminals THEY lend money/credit to?

How can this be legal?

CV, I love my kids, I love my grandson, and I do not mind helping, but........

I am becoming my daughters only other sitter, plus you have to understand, my grandson also lives here, so there is no down time from him, and the friends kids are around a lot too.

Since he lives with us, we are also subjected to his sporadic sleeping habits, meaning he will wake up and decide everyone else will too, at three in the morning.

Not so sure about that "good" fatigue thing. Unlike most grandmothers who have had a break between raising their kids, then going through the empty nest thing, I have not experienced a break in anything but my sanity at times.

I had thought of caling B of A and telling them their initials must stand for Bunch of A****, but I had to rethink that and tell myself I was not in a good place to be calling them, and I would leave it to a time when I was thinking with my head instead of my fatigue (which winds up being my mouth!).

Elizabeth you are cracking me up!!!

Don't let the little ones bother you too much. Tell them it is time to play "who can stay quiet the longest." If that doesn't work, drape a blanket over the kitchen table and chairs. Tell them that they can only use it if they are quiet. Every kid loves a hideout. And it is amazing how amused they will be. Throw a couple of pillows in there so they can get comfy, and if you have a flashlight handy, all the better.

Originally Posted by cvangel

Originally Posted by CrocketsGhost

I don't understand your question. The story is about a program from B of A that allows those with no SSN or credit history (which hasn't always, but now does, require an SSN to track) to obtain a credit card:

The new Bank of America program is open to people who lack both a Social Security number and a credit history, as long as they have held a checking account with the bank for three months without an overdraft.

That's why I got confused Crocket; the story says in the quote above that the program is open to those who lack both a SS# and a credit history. I didn't see anything saying a SS# will be required?

I guess I just must be missing the point you were trying to make.

My point is that offering credit cards to those who don't have an SSN or "credit history" is something that could benefit millions of actual native born Americans who have been shut out of the credit card world for the last ten years since the SSN (which those Americans choose not to have) became the de facto identifier for credit. Many of us have good credit histories which were readily access with alternate information (home address, DOB and mother's maiden name) UNTIL the rules changed on us in the mid 1990s. Now such honest Americans cannot obtain credit cards and have difficulty obtaining home loans with less than 40% down.

So the fact that this program may aid illegal aliens does not speak to the value of the program itself, given that there are real Americans who need such access.

AmericanElizabeth wrote:

Not so sure about that "good" fatigue thing. Unlike most grandmothers who have had a break between raising their kids, then going through the empty nest thing, I have not experienced a break in anything but my sanity at times.

Time for a day at the spa.....massage, pedicure and hot tub! You deserve it! Hang in there!

Originally Posted by cvangel

Originally Posted by CrocketsGhost

I don't understand your question. The story is about a program from B of A that allows those with no SSN or credit history (which hasn't always, but now does, require an SSN to track) to obtain a credit card:

The new Bank of America program is open to people who lack both a Social Security number and a credit history, as long as they have held a checking account with the bank for three months without an overdraft.

That's why I got confused Crocket; the story says in the quote above that the program is open to those who lack both a SS# and a credit history. I didn't see anything saying a SS# will be required?

I guess I just must be missing the point you were trying to make.

Not CG, but see if I get it.

The issue is illegal aliens receiving credit cards. I think the article writer's put forth their mis-guided, simplistic solution that requiring SS#'s would be a quick fix for the problem. CG sees this as an attack at the freedom to function within America without signing up for the socialist dole. The mobs pouring into the streets with torches and pitchforks will now be demanding Congress to require SS#'s of all CC holdetrs. The news should have reported on this problem without offering their solution.