Should illegal aliens get credit cards?

[EarlPlusTwo]

I'm not very political, but this sounds nutty. Is this really happening?<br />

[Brad_Rush]

?

[Marc with a c]

this doesn't make any difference in my life

[Fez4PrezN2008]

<p>Last time I checked, Visa and MC issued cards to people from other countries. </p><p>&nbsp;</p><p>&nbsp;</p><p><font color="#ffffff">Except in France its the Royale Card because of the metric system.</font></p>

[BLZBUBBA]

<p>I don't know about credit cards but I say they should get driver's licenses.&nbsp; At least they'll have to meet some criteria which confirms their ability to actually drive.&nbsp; They'll drive anyway.</p><p>And they should all make minimum wage.&nbsp; There are a lot of businesses abusing the system and hiring them for less than minimum.&nbsp;That kinda undercuts&nbsp;citizens by&nbsp;lowering the floor.&nbsp;</p><p>&nbsp;</p>

[Devo37]

<p><font face="comic sans ms,sand" size="2">Q: Should illegal aliens get credit cards? </font></p><p><font face="comic sans ms,sand" size="2">A: No.&nbsp;</font></p>

[DonInNC]

<p>Should the government require CC companies&nbsp;obtain proof of citizenship / immigration status before issuing a card? No. And that's not support of the IA, it's being tired of having to prove my ID, citizenship, or age at every turn.</p><p>Would it be wise for CC comapnies to&nbsp;issue a card to a illegal alien? Seeing as they have no verifiable&nbsp;income, probably not. Also, what happens if the IA decides not to pay the debt? Are contracts they enter into enforcable?&nbsp;</p><p>On the other hand, as long as they're here they might as well consume. Being tens of thousands of dollars in debt is the American Dream, why deprive them of that?</p>

[angrymissy]

So can I say I'm illegal w/ no SSN, get these credit cards, rack up debt, then go back to my normal life with my credit history unaffected?

[A.J.]

I can see the ad campaign now:&nbsp; &quot;The American Express Card - Don't Leave Your Native Home Without It&quot;.

[SinA]

<p>no, because like insurance fraud or bankruptcy losses, the customers that pay their bills end up covering for the ones that don't.&nbsp; i can see fees/costs going up, benefits (miles) going away</p><p>however, i am an advocate for giving them a one way bus ticket to mexico.</p>

[Wallower]

<strong>SinA</strong> wrote:<br /><p>no, because like insurance fraud or bankruptcy losses, the customers that pay their bills end up covering for the ones that don't. i can see fees/costs going up, benefits (miles) going away</p><p>however, i am an advocate for giving them a one way bus ticket to mexico.</p><p>I like your thought, but if you do that you'll be starting a new black (brown?) market. Mexico bus tickets will be the new food stamps. Plus, there aren't enough busses my friend. Not enough busses.</p>

[foodcourtdruide]

<strong>SinA</strong> wrote:<br /><p>no, because like insurance fraud or bankruptcy losses, the customers that pay their bills end up covering for the ones that don't.&nbsp; i can see fees/costs going up, benefits (miles) going away</p><p>however, i am an advocate for giving them a one way bus ticket to mexico.</p><p>Are all illegal aliens Mexican? Would we be sending Russian illegal aliens to Mexico also, or do we not care about them because they have white skin?</p>

[Furtherman]

<p>First of all, I love your board name EarlPlusTwo.</p><p>Second of all, NO.</p>

[foodcourtdruide]

<strong>Furtherman</strong> wrote:<br /><p>First of all, I love your board name EarlPlusTwo.</p><p>Second of all, NO.</p><p>I think we can all agree.. great board name!</p>

[furie]

since they are lowering the requirments for illegal aliens, then they should lower the requirments for all of us. Why should i jump through hoops to get a line of credit when they won't have to?

[MrPink]

<p>that question is up to the credit card businesses. If they think that illegals will increase revenues, why not. </p><p>Someone mentioned illegals getting minimum wage. Why don't we also let them buy guns. And how about welfare? I don't even think citizens whould get minimum wage let alone illegals. Illegals shouldn't have drivers licenses either. </p>

[angrymissy]

What about funding of terrorism using credit cards?&nbsp; Would there be a bigger outrage if it was illegal middle-eastern aliens getting credit cards with lax ID verification?

[SinA]

<strong>foodcourtdruide</strong> wrote:<br /><strong>SinA</strong> wrote:<br /><p>no, because like insurance fraud or bankruptcy losses, the customers that pay their bills end up covering for the ones that don't.&nbsp; i can see fees/costs going up, benefits (miles) going away</p><p>however, i am an advocate for giving them a one way bus ticket to mexico.</p><p>Are all illegal aliens Mexican? Would we be sending Russian illegal aliens to Mexico also, or do we not care about them because they have white skin?</p><p>the russians are going to be the fucking FIRST to go, and YES they all have to go to mexico.&nbsp; </p><p>seriously, fucking vincente fox has been dumping his problems on us for years (as did his predecessors) and it's time he stepped up and took care of things.&nbsp; mexico has been controlling inflation not by managing productivity but by sending away their lower class.&nbsp; poor mexicans come here while the wealthier mexicans keep more and more of a shrinking supply.&nbsp; </p><p>keeping mexicans in mexico will ultimately have a positive effect on mexico when they are forced to restructure their economy.&nbsp; imagine if enron could have avoided bankruptcy by making microsoft pay their employees salaries, they could have spiraled down indefinitely.&nbsp; instead their gaps grew so big they couldn't cover them up anymore (let alone fix them).&nbsp; in this case the&nbsp;US taxpayers are basically funding mexican welfare, and they are glad to let us do it.&nbsp; the &quot;russians&quot; and others sneak in because they can.&nbsp; if the&nbsp;US and mexico actually did what was needed to monitor the borders the other issues (such as credit cards) wouldnt' be nearly as big of a deal.</p>

[MrPink]

<strong>angrymissy</strong> wrote:<br />What about funding of terrorism using credit cards?&nbsp; Would there be a bigger outrage if it was illegal middle-eastern aliens getting credit cards with lax ID verification? <p>I don't think Al-Qaeda takes credit cards.</p>

[Freakshow]

http://www.tvshows.de/alf/images/pictures/alf13.jpg

Damn it. I want a credit card. You know how many cats I could buy with one of those.

[Wallower]

<strong>Freakshow</strong> wrote:<br /><img src="http://www.tvshows.de/alf/images/pictures/alf13.jpg" border="0" /> Damn it. I want a credit card. You know how many cats I could buy with one of those.<p>&nbsp;Awesome post.</p>

[sailor]

<font size="2">i think it's the cc companies risk to take.&nbsp; if they think they can get money back from these folks i see no problem with it.<br /></font>

[burk]

I dont see a problem with it. Money is money.&nbsp; What difference does it make if you came from a different country.&nbsp;&nbsp; Im an American and rarely pay my bills on time.&nbsp; If dead-beats like me are going to make rates go up&nbsp;I apologize ahead of time.

[angrymissy]

<strong>MrPink</strong> wrote:<br /><strong>angrymissy</strong> wrote:<br />What about funding of terrorism using credit cards? Would there be a bigger outrage if it was illegal middle-eastern aliens getting credit cards with lax ID verification? <p>I don't think Al-Qaeda takes credit cards.</p><p>&nbsp;I only say that because I was working at a major credit card companies fraud/security dept during 9/11 - and they did whole investigations on all the crap that was bought with credit cards that contributed to the attacks </p>

[keithy_19]

Not without proper identification.

[WRESTLINGFAN]

Do people need &quot;visas&quot; to get a Visa?

[cougarjake13]

<p><strong><font size="1">Should illegal aliens get credit cards?</font></strong> </p><p>fuck no</p>

[Bulldogcakes]

<p>Well first of all, Credit card companies can run their business however they see fit. This isn't the State/Local/Federal government were talking about here. </p><p>But what do I think this means? I think it means their already <strong>huge default rates</strong> will go up even further. Which means the already <strong>insane interest rates</strong> you're paying on these things will go even higher. </p><h2 class="r"><a href="http://moneycentral.msn.com/content/Banking/Yourcreditrating/P133899.asp">Why your <strong>credit card rate</strong> just went up - MSN Money</a></h2><p>&nbsp;</p><span class="normalloose">Consumer Action&rsquo;s yearly survey of the credit-card scene looked at 146 cards from 47 issuers. The group found default rates as high as 35% (Merrick Bank). Runners-up for the highest default rates are Citibank and Providian at 29.99%. The lowest default rate is 12% (Arkansas National Bank).</span> <p>&nbsp;</p><p>That means about <strong><font size="1"><u>25%</u></font> on average of people who have credit cards <u><font size="1">never pay them back</font></u></strong>. And that also means if you have one and you're making your payments on it, <strong>you're paying for all those deadbeats</strong>. </p><p>If I could offer one bit of advice to anyone on this board, it would be to cut them all up and switch to debit cards. Your life will be much easier and much better if you do. I say that from experience.</p><p>&nbsp;</p><p>&nbsp;</p><p>&nbsp;</p> <span class="post_edited"></span>

<span class=post_edited>This message was edited by Bulldogcakes on 3-17-07 @ 6:33 PM</span>

[TheMojoPin]

I don't understand why people would get worked up over this.&nbsp; How is it any different from people overseas having credit cards?&nbsp; It's not like these things are &quot;American-only.&quot;

[badmonkey]

<p>Banks offer loans and&nbsp;credit using the money of it's customers.&nbsp; When they offer loans and credit to people that are not properly identified and documented, then there is a much more significant risk that their customer's money that has been loaned out will not be repaid.&nbsp;&nbsp;Yes there is a risk that the money will not be repaid no matter who they loan it to, but at least they can sue U.S. citizens and get a court order for payment.&nbsp; They can't sue an untrackable illegal immigrant who decides to split&nbsp;on the bill.&nbsp; Citizens also&nbsp;have credit ratings which are tied to their social security&nbsp;numbers.&nbsp;&nbsp;If we don't pay the bill, it's gonna show up on our credit report and we likely won't get another&nbsp;loan or credit card.&nbsp;If an illegal doesn't pay it... it just results in&nbsp;lower interest for bank's customers or the bank ends up going out of business and we're screwed anyway.</p><p>Banks have a responsibility to their customers to ensure that the loans and credit that they issue is likely to be repaid.&nbsp; That's why we get interest payments for keeping our money in banks.</p><p>At least that's my understanding which&nbsp;admittedly, could be flawed.&nbsp; It is&nbsp;only one of the reasons&nbsp;I'm annoyed by my bank&nbsp;offering credit to&nbsp;illegal immigrants.&nbsp;The other of course is... they're &quot;not even supposed to BE here...&quot; </p><p>Badmonkey&nbsp; </p>

<span class=post_edited>This message was edited by badmonkey on 3-17-07 @ 10:45 PM</span>

[Yerdaddy]

<p>They're a bad credit risk? Perfect! Why&nbsp;do new college students get pummelled with pre-aproved credit cards as soon as they move into a dorm? Why did I only recieve CC offers when I was making late payments to a CC? This sounds like just one more example of: businesses want illegals here - hayseeds don't.</p>

[patsopinion]

<strong>Wallower</strong> wrote:<br /><strong>SinA</strong> wrote:<br /><p>no, because like insurance fraud or bankruptcy losses, the customers that pay their bills end up covering for the ones that don't. i can see fees/costs going up, benefits (miles) going away</p><p>however, i am an advocate for giving them a one way bus ticket to mexico.</p><p>I like your thought, but if you do that you'll be starting a new black (brown?) market. Mexico bus tickets will be the new food stamps. Plus, there aren't enough busses my friend. Not enough busses.</p><p>well some of us could use the bus manufacturing spike in the economy.</p><p>and we could power the busses with the burning of their hopes and dreams&nbsp;</p>

[badmonkey]

<strong>Yerdaddy</strong> wrote:<br /><p>They're a bad credit risk? Perfect! Why do new college students get pummelled with pre-aproved credit cards as soon as they move into a dorm? Why did I only recieve CC offers when I was making late payments to a CC? This sounds like just one more example of: businesses want illegals here - hayseeds don't.</p><p>Credit is a weird business.&nbsp; Like I said, I could be wrong and I don't fully understand how it works.&nbsp; When I was in college I had a part time job and was still denied credit.&nbsp; My sister, on the other hand, had no job and got 2 credit cards almost immediately.&nbsp; I've just started building credit over the last few years since I turned 30.&nbsp; Now in your situation, it seems that you look like a money maker for the credit card companies because you allowed yourself to get behind on a CC and that meant your interest likely went up and they make more money on your credit.&nbsp; Again...I could be wrong.</p><p>I'm not sure if you were calling me a hayseed so I'll skip that part since I'm not real interested in getting into a namecalling match.&nbsp; I do find it interesting that it seems to be ok for business to make a profit on the backs of the poor as long as the poor are mexicans and the business is not in oil or defense.&nbsp;&nbsp;</p><p>I have no issues with a guest worker program.&nbsp; I don't even mind it including a path to citizenship.&nbsp; My&nbsp; main complaint about illegal immigration is that if Jose can easily jump the border without being caught so he can feed his family, then it is fairly obvious that Osama can do it just as easily do it with pretty much any weapons, explosives, etc that he wants.&nbsp; I beleive in immigrant rights.&nbsp; I do not beleive in illegal immigrant rights.&nbsp; If you want to live the american dream, I think that's great...the line forms behind the Americans. </p><p>Badmonkey&nbsp;</p>

[Reephdweller]

I could honestly care less. So sure, why not.

[ralphbxny]

<strong>Reephdweller</strong> wrote:<br />I could honestly care less. So sure, why not. <p>I agree!!! Let them screw up their credit like I did!!</p>