Originally Posted by
digiordi
Now, I don't think it is an acceptable answer that "if you agreed to the terms, then Citi can ask you for anything now." Citi has specifically asked for a passport or a green card, and not driver license or other less sensitive identification documents. And so are my original questions 1 and 2.
Just a thought - if I were a bank, and I wanted to decline an application without an explanation, can I ask for sensitive information that the customer will not accept to provide? Just to claim he/she abandoned the application, hiding behind broadly defined terms and conditions. Just wondering if it begs for stricter regulations then...
Why do you feel a green card or passport is more sensitive than your drivers license or state ID? My passport has been photocopied countless times at hotels all over the world (in addition to being stored in airline and immigration computer systems).
When you apply for a credit card, you are essentially applying for a loan. It’s not unheard of that banks want to know who you are and what your financial situation is before they give you a piece of plastic that represents a loan of thousands of dollars. Some applicants have been asked for tax returns to demonstrate that the financial information on the application is correct.
That I personally would decline to provide (but only because I generally don’t
really need another credit card), but a copy of an ID? I wouldn’t mind.
I don’t think we need stricter regulations based on your use case.
What happened since your original post - any update?