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DAP Forums > DREAM Act > The Lounge

Credit card?

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#1
04-15-2013, 11:40 PM
Junior Member
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KidTLV
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I tried to get a credit card with my bank,
I chose non resident alien as my citizenship, and after 1 week i receive a letter from the bank. They were unable to approve my application- reason "not a permant US resident".

In the application when they ask about citizenship, there is 3 options: US citizen , Resident Alien , non resident alien( If you choose Non resident alien you have to put your Country of Citizenship).

was i supposed to put Non resident alien?
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#2
04-16-2013, 12:37 AM
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prt19657
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Yes, non resident. That's right.
Anyway, what bank did you apply for the card? Because Chase, Bank of America, Discover, and American Express doesn't seem to have problem with my status. (Only that Chase has a problem with my low income so they didn't approve me XD) My suggestion is to change the bank.
__________________
**(Requested DACA) Package sent 9/24/2012, Bio 10/30/2012, Date of EAD received 3/21/2013 (6 months!)
**(1st renewal) Don't remember...
**(2nd renewal) Package sent 1/27/2017, Case received 2/12/2017, Got text notification 2/15/2017, Bio 3/6/2017 AND EAD approved same day!, DACA approved 3/8/2017
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#3
04-16-2013, 02:14 AM
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KidTLV
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Quote:
Originally Posted by prt19657 View Post
Yes, non resident. That's right.
Anyway, what bank did you apply for the card? Because Chase, Bank of America, Discover, and American Express doesn't seem to have problem with my status. (Only that Chase has a problem with my low income so they didn't approve me XD) My suggestion is to change the bank.
Wells fargo
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#4
04-16-2013, 02:20 AM
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not_today
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Quote:
Originally Posted by KidTLV View Post
I tried to get a credit card with my bank,
I chose non resident alien as my citizenship, and after 1 week i receive a letter from the bank. They were unable to approve my application- reason "not a permant US resident".

In the application when they ask about citizenship, there is 3 options: US citizen , Resident Alien , non resident alien( If you choose Non resident alien you have to put your Country of Citizenship).

was i supposed to put Non resident alien?
Next time (at a different branch) choose resident alien and all they'll ask for is your social security number and your country of citizenship (not residence).
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#5
04-16-2013, 11:39 PM
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KidTLV
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Quote:
Originally Posted by not_today View Post
Next time (at a different branch) choose resident alien and all they'll ask for is your social security number and your country of citizenship (not residence).
is it legal to put resident alien?
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#6
04-17-2013, 01:02 AM
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gebodupa
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Lying about being a LPR does not carry the same type of penalties as lying about citizenship, and it may or may not have negative consequences.

If you say that you are a permanent resident, they could in theory get you for trying to defraud a financial institution (which is a federal crime with hefty penalties as all commercial banks are insured by FDIC) BUT they will have to prove your intent was to defraud them.

At the same time, lying and fraud are not the same thing. In order for someone to be found guilty of fraud, the victim has to prove that the defendant's actions resulted in clear and predictable harm to the plaintiff, and that the result was also their main intention all along. In other words, lying about your status to get a credit card that you expect to use responsibly does not necessarily constitute fraud, but if you plan to get 10 cards and simply max them out and default later on(this actually being perfectly legal in itself), the lie could constitute enough proof for fraud.
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#7
04-17-2013, 01:18 AM
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Feenmi
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There is also a difference between them asking if you are LPR or whether you're simply a resident alien. Technically speaking, you are a resident alien. You have legal presence in the US and everything you have is here. You don't plan on being here temporarily and going back home. Might just be me though.
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#8
04-17-2013, 01:24 AM
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donquijote
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I opened a secured credit card with Wells Fargo about a month ago. The personal banker asked me if I was a permanent resident and I told him no. But he said that unless that he checked that box I would not qualify for a credit card, even a secured credit card.

So I told him to and he did. I now have a credit card and I am working towards building a credit history. I would point out three things from my experience that I want you to consider.

First, your SSN# is for life and so building credit with it is a must. Second, the categories the bank uses were made before DACA. Finally, I assume you are trying to build credit from scratch in which case you are gonna start with a secured credit card using your own money as a deposit.

In short, I am not what you might call a dare devil but I am not losing any sleep over this. I am now building a credit history and I don't see why the bank would sue me for trying to "defraud" it. Hell, I know many people with multiple credit cards who don't even have DACA.
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#9
04-17-2013, 01:33 AM
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beachgirlx19
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I actually got a credit card, they gave me 500$ Credit line, but it was a student credit, from CapitalOne called Journey, you can apply for it online, they will give it to you if you just provide a social security number, your name, a valid address and
some school info
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#10
04-24-2013, 10:56 AM
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bringtherain
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this happened to me too with wells fargo -_-... i think imma try bank of america
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