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标题: SM神卡Iowa的居民不能申！！！新人求安慰。 [打印本页]

作者: 翻滚吧锋哥 时间: 2015-6-1 08:22
标题: SM神卡Iowa的居民不能申！！！新人求安慰。
在物理粉大神的博客上最先知道这张卡的，我每个月的超市消费不多，这张卡正好够用，本来兴致勃勃的去申，结果再所在州的那个下拉框中死活找不到IA，仔细查了网页之后发现明晃晃的写着Iowa和波多黎各的人不能申，好丧气！
这种情况下，除非搬家，应该是没法申到了吧？

作者: Dotak的賤媽 时间: 2015-6-1 08:23
patpat 搬家吧

作者: 翻滚吧锋哥 时间: 2015-6-1 08:24

Dotak的賤媽发表于 2015-6-1 07:23
patpat 搬家吧

感谢安慰！明年申请学校，最好去东北部。

作者: carol-乐 时间: 2015-6-1 08:31
为什么啊？太奇怪了

作者: garychen529 时间: 2015-6-1 08:33
Barclays好多卡都不给住在Iowa的人申
它家的Arrival卡也不给Iowa申的

作者: 翻滚吧锋哥 时间: 2015-6-1 08:44

garychen529 发表于 2015-6-1 07:33
Barclays好多卡都不给住在Iowa的人申
它家的Arrival卡也不给Iowa申的

知道原因吗？真的好奇葩啊。

作者: summerding 时间: 2015-6-1 08:53

翻滚吧锋哥发表于 2015-6-1 07:44
知道原因吗？真的好奇葩啊。

This is because Iowa has a very robust consumer credit laws the main one being ICCC (Iowa Consumer Credit Code).

A lot of this is overlap with national laws and not of particular importance (e.g having to display interest rates and fees clearly). Because of how strong the laws are in Iowa, customers there aren’t as profitable for card issuers. Most just take this on the chin but some (like Barclay) have decided to bar residents in protest. Here are some of the main reasons why they may have chosen not to do business with Iowa residents:

Delinquent payment fees are capped at $15 (Arrival has a late payment fee of $35 and it causes you to default to a penalty APR rate of ~10% above your regular APR)
Card issuers have a period of only five years to proceed with legal action against people who have become delinquent (usually six years in other states)
Interest rates are capped at 12% for consumer transactions (although this doesn’t apply to credit cards, so isn’t a real reason as to why Barclay wouldn’t allow Iowa residents to apply)

作者: 花外楼 时间: 2015-6-1 09:04
！！！真的嘛！！我还准备下学期来了第一张就申这个！！

作者: informationr 时间: 2015-6-1 09:09
一个月也就损失十刀不到

作者: 翻滚吧锋哥 时间: 2015-6-1 09:19

summerding 发表于 2015-6-1 07:53
This is because Iowa has a very robust consumer credit laws the main one being ICCC (Iowa Consumer ...

感谢科普！

Most just take this on the chin but some (like Barclay) have decided to bar residents in protest.

好任性！好吧。

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