Hi all,
I am in Ireland on Stamp 1 (Work Permit) and applying for Irish Naturalisation in May 2014. I am banking with my current Bank from last many years and have savings of 20k+ in current & savings with them, I am married and both of our salaries goes into this bank account. I am having my credit card from other bank and always clear my loans/bills on time. and I thought of applying credit card with my current bank, applied online, got call back and they did ICB check and all came fine but only the point when they asked if I have Stamp 4, the girl then stopped and refused my credit card application as I am holding Stamp 1 which is valid till Apr 2015 and I told them will be applying for Irish Citizenship next month. it was no good to Financial Institution which is bailed out by Irish Tax payers.
It is their policy NOT to grant any credit to a person who is on Stamp 1. On the same time, when I filled application form online, it was never asked If I have Stamp 4 and only person on Stamp 4 can apply!!
My understanding was that a person on Stamp 1 has the same rights as an Irish Worker while his/her Work permit is valid. But this does not the seems the case here. Now while they have plainly refused citing reason, I really worried will it affect my future loan applications, such as if I applied for Mortgage, as this bank made the credit check on me and refused my credit application. Am I allowed to appeal to their decision or am I allowed to go to Financial regulator or they will say same, "We only operate for EU/Irish citizens, Nothing for person working on stamp 1". If they call this would this not discrimination or is it not discrimination refuse credit card to person on Stamp 1, what if all banks started operating on this policy then no Non-Eu national worker will get credit card in Ireland!
I ll move all my money from this bank and will move to a bank which have trust in me and given me credit card of 4150Euro, and I always pay back every month whatever I use.
Thanks in Advance
I am in Ireland on Stamp 1 (Work Permit) and applying for Irish Naturalisation in May 2014. I am banking with my current Bank from last many years and have savings of 20k+ in current & savings with them, I am married and both of our salaries goes into this bank account. I am having my credit card from other bank and always clear my loans/bills on time. and I thought of applying credit card with my current bank, applied online, got call back and they did ICB check and all came fine but only the point when they asked if I have Stamp 4, the girl then stopped and refused my credit card application as I am holding Stamp 1 which is valid till Apr 2015 and I told them will be applying for Irish Citizenship next month. it was no good to Financial Institution which is bailed out by Irish Tax payers.
It is their policy NOT to grant any credit to a person who is on Stamp 1. On the same time, when I filled application form online, it was never asked If I have Stamp 4 and only person on Stamp 4 can apply!!
My understanding was that a person on Stamp 1 has the same rights as an Irish Worker while his/her Work permit is valid. But this does not the seems the case here. Now while they have plainly refused citing reason, I really worried will it affect my future loan applications, such as if I applied for Mortgage, as this bank made the credit check on me and refused my credit application. Am I allowed to appeal to their decision or am I allowed to go to Financial regulator or they will say same, "We only operate for EU/Irish citizens, Nothing for person working on stamp 1". If they call this would this not discrimination or is it not discrimination refuse credit card to person on Stamp 1, what if all banks started operating on this policy then no Non-Eu national worker will get credit card in Ireland!
I ll move all my money from this bank and will move to a bank which have trust in me and given me credit card of 4150Euro, and I always pay back every month whatever I use.
Thanks in Advance