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PaperclipPerfector  4mo ago (text post)   4737 thread views

Small-Scale Question Sunday for December 24, 2023

Do you have a dumb question that you're kind of embarrassed to ask in the main thread? Is there something you're just not sure about?

This is your opportunity to ask questions. No question too simple or too silly.

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I didn't know about those. Were they unable to open lines of credit because the law prohibited them, or was this something banks chose to do?

I know one dear lady who bemoaned the fact that she could not get a credit card of her own. She was a stay-at-home mom and would be relying on her husband's income to pay the bill when it came due. Knowing the context of that particular situation, it was very much a, "We want the name of the income-earner on the account, so we have suitable recourse upon default," type of situation. Unfortunately, also knowing her shopping proclivities, it was probably a responsible risk assessment. Obviously not all situations are going to be the same, and I'm not aware of details of laws that might have been in effect in other jurisdictions.

Both, depending on jurisdiction, since a lot of it was state-by-state. Once the USG passed the Equal Opportunity Credit Act of 1974, some banks tried an end run around that by simply marking women as high-risk lendees, since it was still legal to just fire a woman if she got pregant regardless of marital status.

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