Can you get a US credit card using a Canadian SIN?

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6 posts
carribrn
 
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Joined: Mon Dec 12, 2011 12:59 am
Location: Las Vegas

Can you get a US credit card using a Canadian SIN?

Postby carribrn » Mon Dec 12, 2011 1:51 pm

Hi! I applied for a US credit card online using my Canadian SIN and got an approval immediately. Is this possible?


ooxs
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Location: Michigan

Postby ooxs » Mon Dec 12, 2011 5:47 pm

I guess you are living proof that it is possible :-).

carribrn
 
Posts: 2
Joined: Mon Dec 12, 2011 12:59 am
Location: Las Vegas

Postby carribrn » Mon Dec 12, 2011 7:46 pm

I mean is it legal? My worry is the system might have approved it because my SIN is similar to somebody's SSN in the US. At the same time I am thinking maybe it is not a mistake since I also have a capital one credit card but it is just an extension of mom's credit card who happens to be a US citizen. I also have my own bank account in the US which I was able to open since the bank is a sister company of my bank in Canada (RBC Royal Bank and RBC Centura).

I was able to use already the new credit card to pay for my apple online store purchases. It is through the same website that I got the offer to apply since they have a tie up with apple and offers deferred payments if you buy apple products.

I am happy to get my own US credit card I just hope I am not accidentally using someone else's SSN.

ooxs
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Postby ooxs » Tue Dec 13, 2011 7:34 pm

I am going to play it safe and say it is not a legal account considering these fasts:
US accounts are for US citizens or US residents.
US account must have a valid US SSN
Most importantly the new Federal law requiring banks to obtain, verify, and RECORD information that you used to apply.
This problem is not limited to that fact that your SIN might be a US Resident valid SSN.

This is a question that only the bank can answer. I will bring it up to them before i get tangled in some nonsense investigation.

DoingHomework
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Postby DoingHomework » Wed Dec 14, 2011 1:06 pm

Let's see....

1. On the application it asked for your SSN or Social Security Number.
2. You wrote down a number that is not your SSN.
3. You signed the application certifying the information to be correct.
4. You admit now that you gave false information

Man, you committed fraud and possibly perjury. You better get on top oif this TODAY or your troubles are just beginning.

ooxs
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Joined: Sat Aug 13, 2011 9:38 am
Location: Michigan

Postby ooxs » Thu Dec 15, 2011 8:09 pm

LOL DoingHomework what are you trying to give?
A. Advice
B. Heart attack

I believe he realized he made a booboo and wants to fix it before it is too late. As long as he take the necessary steps to close the account, he will be fine. Bottom line DoingHomework is extremely correct and you need to act ASAP.



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