irobot10 asked:


I am an immigrant (green card) resident of the US. I own my house and have excellent credit rating. My wife recently got her green card and SSN. We asked our local bank for a secured credit card so that she can build her credit. The bank refused the application and demanded that they need a US citizen to cosign for my wife’s credit card, even if we are asking for a card that is secured by our checking account with the same bank. This is absurd because we have joint accounts with this bank from last 5-6 years and have healthy deposits. They wouldnt even let me add her to my existing credit card! We dont know aany US citizen who will cosign for us but thats besides the point anyway. Can the bank discriminate like this?

secured credit application

Stephen S asked:


I live in the State of Georgia and am being sued over an old credit card that I defaulted on. It has been more than 4 years but less than 6 years since the date of default, so depending on whether credit card debt is considered an open account or a written contract in the State of Georgia, the Statute of Limitations may or may not apply. The Staute of Limitations is 4 years for open accounts and 6 years for written contracts. Does anyone know for certain which type applies for credit card debt in Georgia? The account is with Citibank MasterCard and was opened in the late 80’s or early 90’s. Thanks.

credit card