Yet it's possible to do this in other countries and therefore of course also possible in the US. The very fact that things like how much you have on your savin

Yet it's possible to do this in other countries and therefore of course also possible in the US. The very fact that things like how much you have on your savings account can affect your ability to get a credit card disproves your claims. You might yourself be the one who have "heard" and is "assuming" things which plenty of other commenters in this thread shows.