打后台电话涨姿势 CARD Act of 2009

Sean_Triton

21号申请了CSP 一直在pending 受不了了打了第二次后台 lending analyst说因为不到21 根据Young Consumer Protection Act 需要进行secondary review 叫我等信件。。。 google了一下还真有这个Act 是在2009年签的CARD Act(Credit Card Accountability Responsibility and Disclosure Act of 2009) Title 3 Section 301&302摘要 如下：（另外从来没收到过pre－screened offer 一看也是这个Act给毙的）
Protection Of Young Consumers
No credit card may be issued to a consumer under the age of 21, unless he or she has submitted a written application to the card issuer that meets the following requirements:

The signature of a cosigner, including the parent, legal guardian, spouse, or any other individual who has attained the age of 21 who has the means to repay debts incurred by the consumer in connection with the account.
Financial information indicating that the person under the age of 21 has the ability to independently repay the debt.
If a parent or other adult has cosigned a credit card to someone under the age of 21, the card issuer may not increase the credit limit on the account without the cosigner’s written approval.

Prescreened credit offers may not be sent to those under the age of 21 unless they have opted in with the credit reporting agencies to receive such offers.

Colleges and universities must publicly disclose contracts or agreements made with a card issuer or creditor for the purpose of marketing a credit card.


真是不到21什么都不能搞。。那这样来说之前批卡的Discover，Amex跟Chase都违法了？


Act链接如下An Act To amend the Truth in Lending Act to establish fair and transparent practices relating to the extension of credit under an open end consumer credit plan, and for other purposes.

很愛玩

未滿21 可以批卡 但是要證明有能力 還款 所以等21後在 申比較好

王小闲

wuy

注意到：都是 may。。。

HSHTZ

表示满18的第一个月就拿到 boa的123   今年19  五张卡⋯⋯ boa chase amex citi  Barclays 换个客服打咯～

chrisonal

涨姿势
来自: iPhone客户端

Sean_Triton

wuy 发表于 2015-11-24 19:19
注意到：都是 may。。。

都是may NOT。。。在法律文件里May not＝禁止


“Statutes are always construed by looking at their plain meaning first - and both "shall not" and "may not" read as prohibitions.”

wuy

Sean_Triton 发表于 2015-11-25 00:15
都是may NOT。。。在法律文件里May not＝禁止

我真是不懂法。
法律文件里 禁止 用什么词？

Seraph_Roy

19的一年来卡板过了七八张并没有遇到这个act的说法……

Sean_Triton

Seraph_Roy 发表于 2015-11-25 01:24
19的一年来卡板过了七八张并没有遇到这个act的说法……

我之前也咩有遇到过 就这次。。

Sean_Triton

wuy 发表于 2015-11-25 00:31
我真是不懂法。
法律文件里 禁止 用什么词？

may not=shall not=must not吧