=To dangdang, also I hope everybody could open this msg=

K

kelvin2088

Registered Users (C)
To dangdang:
what i did is none of ur business!u'd better get out here, dont bother me anymore!i dont even want to mention u, but ever time u just fight with me on purpose! anyway, u can do what ever u want, but pls behave urself and dont bother me,dont irritate other ppl, dont injury me by calling me kid, actually that's impossible for u to succeed ur stupid plan which insult me in this forum, other ppls' minds on me will not be changed by u. i dont want to waste my time on u anymore!u'd better realize how bored u r!

To everybody:
This forum just like a warm home which provide us a good place to communicate, to share problems we meet, to exchange experiences on treat some specific issues regrading to all asylum's daily, which covers every corner of our lives.I really appreciate a lot of ur guys' help, and I'm so willing to try my best to contribute this forum, however, there is a guy(dangdang) insulted me many times.here, I just wanna let all ur guys know what was going on with dangdang and me. in addition, i've already decided to ignore that guy from today.
my purpose of telling u is to let u know that our forum will not be messed up by someone why intend to make trouble.
 
i found this from Washington Mutual's website
=====
Secured Visa Credit Card


• approval guarantee
• set your own credit limit by depositing a minimum of $300, up to $5,000. A certificate of deposit (CD) will be established in your name and pledged to secure payment on your credit card account. Your CD will earn a competitive interest rate and will be insured by the FDIC
• low annual fee, but no application or processing fee
• benefits: worldwide acceptance, ATM access, toll-free customer service, $100,000 automatic travel insurance, and 24-hour fraud protection. Plus, your secured card works like, and looks like, any standard card. Use it to create or improve your credit history. After 18 months you could qualify for an unsecured card
• you can be approved if you're a permanent U.S. resident , are 18 years old with a valid Social Security number, are and up-to-date on all existing accounts including taxes. Any judgments or bankruptcy filings must be discharged


http://www.wamu.com/clending/creditCards.jsp
 
Originally posted by kelvin2088
i found this from Washington Mutual's website
=====
Secured Visa Credit Card


• approval guarantee
• set your own credit limit by depositing a minimum of $300, up to $5,000. A certificate of deposit (CD) will be established in your name and pledged to secure payment on your credit card account. Your CD will earn a competitive interest rate and will be insured by the FDIC
• low annual fee, but no application or processing fee
• benefits: worldwide acceptance, ATM access, toll-free customer service, $100,000 automatic travel insurance, and 24-hour fraud protection. Plus, your secured card works like, and looks like, any standard card. Use it to create or improve your credit history. After 18 months you could qualify for an unsecured card
• you can be approved if you're a permanent U.S. resident , are 18 years old with a valid Social Security number, are and up-to-date on all existing accounts including taxes. Any judgments or bankruptcy filings must be discharged


http://www.wamu.com/clending/creditCards.jsp
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Kelvin,

I do not see any issue here. You are permanently residing in the US, right? You are not a GC holder but have a legal status.
What you need to do is just file the application. They are not going to ask for your GC, so just go with that.
Also try the link with BOA, I provided to you before. Again, I don't see any issue here. Good luck
 
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kelvin

I have already told you a number of times that as an asylee you are considered a permanent resident for banking purposes.
 
Alanpero and Gilbert,

That is precisely my point. The little kid just raves that he cannot get credit because of some rules about his status, despite our explanations. He does not understand or refuses to understand reality. What a poor kid.
 
Stop this Dangdang

Originally posted by dangdang
Alanpero and Gilbert,

That is precisely my point. The little kid just raves that he cannot get credit because of some rules about his status, despite our explanations. He does not understand or refuses to understand reality. What a poor kid.
Click to expand...

Stop being adjectival, specially if adjectives used are bothering the other person. If you show respect to others, then others will show respect to you. Do not expect respect when you don't respect others.
We all should try to post messages that make a positive contribution to face our problems as asylees, and the fight between you guys doesn't not make any contribution. Don't you agree?
If you don't like what others are posting, just ignore them. If you want to fight why don't you guys try the private messages, though this feature is not intended for that purpose.
We all hope not to see more fights in this forum.
Best regards
 
The best bet is to get a secured account first, maintain a good payment history and then apply for something more ambitious. That is how kids assimiliate into the mainstream and become adults in USA. Everyone goes thru that. Babies cannot run until they know how to walk.

Good luck kid.
Originally posted by kelvin2088
ok..let me try to apply again..
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Kelvin,

You do not have to answer if you do not want to. Are you working full time and if so how long have you been working full time? I am trying to figure out the reason that you have a difficult time with your credit applications.

Best
 
Originally posted by dangdang
The best bet is to get a secured account first, maintain a good payment history and then apply for something more ambitious. That is how kids assimiliate into the mainstream and become adults in USA. Everyone goes thru that. Babies cannot run until they know how to walk.

Good luck kid.
Click to expand...

i was shocked by that bankman's words:"unfortunately,base on our new policy, we can't issue u a regular credit card or even return ur secured credit card's deposit until the day u exactly become a PR, ur dad is pretty lucky 'cause he got his regular credit card before 911"
that's it
 
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Where on earth did this quote come from??? A letter or conversation?



Originally posted by kelvin2088


i was shocked by that bankman's words:"unfortunately,what base on our new policy, we can't issue u a regular credit card or even return ur secured credit card's deposit until the day u exactly become a PR, ur dad is pretty lucky 'cause he got his regular credit card before 911"
that's it
Click to expand...
 
Last edited by a moderator:
Originally posted by Gilbert
Where are earth did this quote come from??? A letter or conversation?



Click to expand...


i went to Bank of America with my dad.
we were been told by a bankman, face to face.

i dont work, i'm a full time student
i even want to hide my actual status to apply for a student credit card...but dont know whether its possible to get approval
 
cool

If you are a full time student in a four-year college (especially with good grades), you will soon be flooded with more credit offers in the mail than you know how to handle. So would you just please relax and wait for the mail so to speak?
 
Kevin,

Go to a bank and open a secured credit card. That's a straightforward procedure. Bring some pieces of ID and a couple hundred dollars in cash or a personal check or a check card. That's it.

Ignore what the bank clerk told you that you would not get your deposit back. Because you will get your money back. You won't lose your money. This is America. If he insists on that. Ask him to show you that in paper, either a contract or a bank policy in paper. With this evidence you can find a lawyer and sue the bank for discrimination. Country of origin is a possible discrimination cause protected by the law. The problem is that you're not going to get this piece of evidence on paper.

Just be confident and be more knowledgeble. Don't get panaroid by false information. Remember in this country you can even chanllenge the US (uncle sam), let alone a bank clerk.
 
Originally posted by TimZ
Kevin,

Go to a bank and open a secured credit card. That's a straightforward procedure. Bring some pieces of ID and a couple hundred dollars in cash or a personal check or a check card. That's it.

Ignore what the bank clerk told you that you would not get your deposit back. Because you will get your money back. You won't lose your money. This is America. If he insists on that. Ask him to show you that in paper, either a contract or a bank policy in paper. With this evidence you can find a lawyer and sue the bank for discrimination. Country of origin is a possible discrimination cause protected by the law. The problem is that you're not going to get this piece of evidence on paper.

Just be confident and be more knowledgeble. Don't get panaroid by false information. Remember in this country you can even chanllenge the US (uncle sam), let alone a bank clerk.
Click to expand...


Dear TimZ, i think u misunderstood what i mean.
that clerk mean that i'll not get my non-deposit credit card(regular credit card) unitl i get my actual green card.
 
I see what you mean now.

Go ahead and get the secured credit card. Use it to build your credit history. Everything will be fine if you build a good credit history.

When your credit score gets better, all the credit card companies will want your business. They will pre approve you.

After one year ask the bank to graduate your secured credit card. Rest assured that they will graduate you if you have a good score then.

If they still refuse to graduate you, you have many options. You can simply cancel the credit card and get your deposit back if you don't want more trouble; or you can sue them if you want trouble.
 
Originally posted by TimZ
I see what you mean now.

Go ahead and get the secured credit card. Use it to build your credit history. Everything will be fine if you build a good credit history.

When your credit score gets better, all the credit card companies will want your business. They will pre approve you.

After one year ask the bank to graduate your secured credit card. Rest assured that they will graduate you if you have a good score then.

If they still refuse to graduate you, you have many options. You can simply cancel the credit card and get your deposit back if you don't want more trouble; or you can sue them if you want trouble.
Click to expand...

sue doesnt work
my final purpose is to earn a regular credit card, not a deposit one
anyway, i'd like to try to apply a deposit credit card first.
 
Rest assured you don't need to sue on this matter. The bank will graduate you since they are not so stupid to get sued.
 
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