When I applied for my home mortgage, I had similar problems with many banks refusing to give the 2nd(I went for 80-15 loan)loan as my 485 is pending. However I was told that that loan approval with a valid H1 is possible(My H1 expired 2 yrs ago). I called Fannie Mae to find out if it is discrimination. If my first loan was rejected it would have been considered discrimination, but they dont have control over piggy-back loans.
Regarding credit cards I have never had problems getting 2nd card for my relatives(no SSN was asked). However these days a lot of financial institutions are using patriot act as a shield for discrimination.
In my experience banks are eager to give secondary cards as long as the primary card holder has a good credit standing. Call up customer service and tell them you want to cancel the card for this reason, it may work.( I tried canceling a credit card and ended up getting a higher limit etc. etc.)
Regarding credit cards I have never had problems getting 2nd card for my relatives(no SSN was asked). However these days a lot of financial institutions are using patriot act as a shield for discrimination.
In my experience banks are eager to give secondary cards as long as the primary card holder has a good credit standing. Call up customer service and tell them you want to cancel the card for this reason, it may work.( I tried canceling a credit card and ended up getting a higher limit etc. etc.)