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Can a card issuer consider the fact that I am not a citizen of the United States?

Answer:

A card issuer may not discriminate on the basis of national origin. 

However, when making a credit decision, a card issuer may consider your immigration status and any additional information that may be needed to determine the issuer’s rights and remedies regarding repayment.

In addition, under the Patriot Act, card issuers must collect certain pieces of information about individuals when opening new accounts, including name, date of birth, residential or work street address, and taxpayer or other identification number.  For credit card accounts, this information may be collected from the customer or from a third-party source.

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