Path: utzoo!utgpu!news-server.csri.toronto.edu!rutgers!uwm.edu!bionet!hayes.ims.alaska.edu!accuvax.nwu.edu!nucsrl!telecom-request From: am299bv%sdcc6@ucsd.edu (Ravinder Bhumbla) Newsgroups: comp.dcom.telecom Subject: Re: Fraudulent Coin Calls Message-ID: <13551@accuvax.nwu.edu> Date: 15 Oct 90 03:50:40 GMT Sender: news@accuvax.nwu.edu Reply-To: Ravinder Bhumbla Organization: University of California, San Diego Lines: 36 Approved: Telecom@eecs.nwu.edu X-Submissions-To: telecom@eecs.nwu.edu X-Administrivia-To: telecom-request@eecs.nwu.edu X-Telecom-Digest: Volume 10, Issue 737, Message 8 of 8 I hate to add more noise to this topic, but I couldn't stop myself. In article <13526@accuvax.nwu.edu> by dhepner@hpcuhc.cup.hp.com (Dan Hepner) the Moderator writes: >Imagine >Amex or Diners saying to an Indian or Korean or Israeli that they are >not going to honor a given credit transaction because "... people from >your country tend to commit fraud a lot...". I don't know if this is relevant, but I have been told that since last year, CITIBANK has stopped giving VISA credit cards to foreign nationals. When I was in Virginia about two years back, my bank, Dominion Bank had a place for "nationality" in their credit card application and denied a credit card to all foreign nationals. As far as I know, it is NOT illegal to discriminate on the basis of national origin against people who are not US citizens (I find that understandable, though not necessarily justifiable). Ravinder Bhumbla rbhumbla@ucsd.edu Office Phone: (619)534-7894 [Moderator's Note: Lots of merchants and/or creditors won't extend credit outside the USA for the simple reason they have little or no enforcement mechanism. Suit is a cumbersome process when an overseas solicitor must be employed. To totally exclude all non-USA citizens who are visiting us from receiving credit is one thing -- to issue credit to out of country people and not others is illegal. A creditor can say "I do not issue credit cards outside the USA". He cannot say "I allow some people visiting here (or in the process of becoming citizens here) to have credit, but not certain others." Either no credit outside the USA or credit extended individually to all applicants on a fair basis, using factual data about the individual to make the decision. PAT]