JC Penny Credit Card, Gender Profile, WOMEN GIVEN LESS CREDIT ripoff Plano Texas

Gender is one of the federally protected "minority" categories. Creditors aren't allowed to discriminate based on their customers' gender, no matter how much "scientific" evidence they may claim to have.

By the way, what is the "Dopon" research company? Unless they're comparing the potency of various marijuana strains, the name alone leads me to suspect they don't know what they're talking about.

Good luck in your battle with the credit card companies. When you are done, perhaps you can also file complaints for me as a man to the Life Insurance, Health Insurance, Car Insurance agencies that charge men higher premiums than women.

There are many instances where woman make out more than men do. It's because of statistical data analysis. If you had read Daves post, he cites a specific study which details that women are more likely to spend more than men. would be very similar to the Actuarial tables used to underwrite insurance.

So Dave, you are supporting the statistical discrimination between the sexes? I do too!
1. I support the rights of insurance agencies to charge men more for car insurance and life insurance. After all, we all know men are more aggressive and dangerous drivers and statistically will die sooner than females.
2. Statistically, men are more likely to spend money on important household items like big screen televisions, surround sound stereo, and 700 satellite television channels so they can watch soccer in Bolivia 24 hours a day. Statistically, companies should keep those prices up and not offer competition discounts!
3. Statistically, men are the primary shoppers at Cabellas, the Sports Authority, Lowes, the Home Depot, and each and every car dealership in the country. Therefore nothing should ever have a reduced ticket price, because no matter what the price of the object, men will pay for it at whatever cost and simply put, men don't haggle, that's why there are so many more male car salesmen who are successful. Men buy the cars and are afraid to haggle. Men pay more for cars than women.
5. Men are statistically more likely to hurt themselves at home and require medical attention.
5. Men are statistically more likely to become serial killers, rob banks, and manufacture and deal drugs.

Dave, you and all men need to help our economy and save us female taxpayers: turn in your credit cards, your Craftsman tools, and your guns today! But do it safely!

But I am premenstrual, hormonal, going thru a breakup, and emotional so I think I will just go rack up my credit card debt buying candles and teddy bears to cure it.

Blanket generalizations like this are a crock. A person can look online and find any research or survey that will support their ideas, no matter how out there they are. Funny how I read an article just a couple of weeks ago about how many single women are becoming homeowners. Last year 1.5 million single women became homeowners, less than half that number of single men became homeowners. So I guess that mortgage companies don't read the same surveys that Dave is quoting. But I do love this quote: It's not discrimination, it's just because you're a woman. That is just classic.

I've been monitoring my husband and my credit bureau reports since we've been married. I know that ALL credit reported is joint, and we have the same information/trade lines. We both received pre-approved credit applications from Washington Mutual for Mastercards. Since we bank there, we both applied online. He was approved immediately. I was denied. The online response said a letter would be mailed me. The letter I got said the denial was "based on information in my credit file".

Huh? I know what's in the file, and if my husband got several thousand in credit based on the same information, how come I didn't? Additionally, I am an "authorized signer" on this account, but they - WAMU - won't talk to me about anything on the account on the phone. I've had my husband call and we've sent letters authorizing my getting information on the account through their customer service lines, as I'm the one paying the bills.

They refuse each time to honor his blanket authorization, they say they want to talk to him on the phone each time. Once when he wasn't available, I 'deepened' my voice and authorized myself to talk to them. That's all they needed, a male voice to say it was ok to talk to me about the account. What hippocrits!

Credit companies are all too sexist. I was going to fight for a WAMU credit card, but after lurking here on ROR, I'm anti-credit and just want to pay cash. WAMU's not making a cent off of us as we pay the balance in full every month before the due date. I don't know what can be done about this sexist method of operation.

It's a common fact that women will spend more money and be more spontaneous with credit cards than men. But, because they are women, their spending habits far exceed their income, which makes you more of a credit risk than men. A Dopon/Xvers survey was done in June of 2006, and their numbers were pretty amazing. According to the report, 3 out 5 women, between the ages of 27 and 49 will spend at least 6 times their income, if given the credit means to do so, versus men, who are more rational when it comes to money, will spend only 1/3 of their income.

It further states that women with credit cards pose a higher risk because of "emotional spending habits", meaning, when they get upset, or are getting close to their menstrual cycle, and, most specifically, have a higher hormone rate due to divorce, falling in love, break-up with lover(s), even menopause. This causes emotional spending. The report was comprised of interviews with credit councelors, women, men, and credit agencies. It was very thorough. The report said, and I quote "Women with credit cards are very dangerous. Credit should be issued sparingly to women. The less credit they have at their control, the better our economy will be."

So, there you have it. That is why your husband got more than you did. It's not discrimination, it's just because you're a woman. Hope this helps.

It's a common fact that women will spend more money and be more spontaneous with credit cards than men. But, because they are women, their spending habits far exceed their income, which makes you more of a credit risk than men. A Dopon/Xvers survey was done in June of 2006, and their numbers were pretty amazing. According to the report, 3 out 5 women, between the ages of 27 and 49 will spend at least 6 times their income, if given the credit means to do so, versus men, who are more rational when it comes to money, will spend only 1/3 of their income.

It further states that women with credit cards pose a higher risk because of "emotional spending habits", meaning, when they get upset, or are getting close to their menstrual cycle, and, most specifically, have a higher hormone rate due to divorce, falling in love, break-up with lover(s), even menopause. This causes emotional spending. The report was comprised of interviews with credit councelors, women, men, and credit agencies. It was very thorough. The report said, and I quote "Women with credit cards are very dangerous. Credit should be issued sparingly to women. The less credit they have at their control, the better our economy will be."

So, there you have it. That is why your husband got more than you did. It's not discrimination, it's just because you're a woman. Hope this helps.

It's a common fact that women will spend more money and be more spontaneous with credit cards than men. But, because they are women, their spending habits far exceed their income, which makes you more of a credit risk than men. A Dopon/Xvers survey was done in June of 2006, and their numbers were pretty amazing. According to the report, 3 out 5 women, between the ages of 27 and 49 will spend at least 6 times their income, if given the credit means to do so, versus men, who are more rational when it comes to money, will spend only 1/3 of their income.

It further states that women with credit cards pose a higher risk because of "emotional spending habits", meaning, when they get upset, or are getting close to their menstrual cycle, and, most specifically, have a higher hormone rate due to divorce, falling in love, break-up with lover(s), even menopause. This causes emotional spending. The report was comprised of interviews with credit councelors, women, men, and credit agencies. It was very thorough. The report said, and I quote "Women with credit cards are very dangerous. Credit should be issued sparingly to women. The less credit they have at their control, the better our economy will be."

So, there you have it. That is why your husband got more than you did. It's not discrimination, it's just because you're a woman. Hope this helps.

It's a common fact that women will spend more money and be more spontaneous with credit cards than men. But, because they are women, their spending habits far exceed their income, which makes you more of a credit risk than men. A Dopon/Xvers survey was done in June of 2006, and their numbers were pretty amazing. According to the report, 3 out 5 women, between the ages of 27 and 49 will spend at least 6 times their income, if given the credit means to do so, versus men, who are more rational when it comes to money, will spend only 1/3 of their income.

It further states that women with credit cards pose a higher risk because of "emotional spending habits", meaning, when they get upset, or are getting close to their menstrual cycle, and, most specifically, have a higher hormone rate due to divorce, falling in love, break-up with lover(s), even menopause. This causes emotional spending. The report was comprised of interviews with credit councelors, women, men, and credit agencies. It was very thorough. The report said, and I quote "Women with credit cards are very dangerous. Credit should be issued sparingly to women. The less credit they have at their control, the better our economy will be."

So, there you have it. That is why your husband got more than you did. It's not discrimination, it's just because you're a woman. Hope this helps.