Author	Thread: For those outside of the US
Admin	For those outside of the US Posted : 11 Feb, 2011 08:34 AM One of the problems that tends to come up alot on this site is the issue of people blocking others who are not in the US. One of the reasons why we tend to do that is because so many of the scammers come from outside the US. One way to help reduce the problem of scammers is to have the person pay with a credit card in their name. I'm curious, is it difficult in some countries to get a credit card in your name? Post Reply
Mercymay View Profile History	For those outside of the US Posted : 11 Feb, 2011 04:35 PM Actually Cobbler, if one has an account with a bank here (am outside the US), easy to get one. Years ago I had little emergency fund and was surprised the bank sent me a credit card ready for activation when I did not apply for one. I don�t like having credit card because I see it as additional burden, something to watch over. And why should I pay credit card yearly fee when I will not use it anyway? Banks should be earning a lot just for the fees�and the frauds? I don�t like spending on credit, if I don�t have the money , I don�t have to have it. Projected income might not come projected to pay for unnecessary purchases made right now. It is one thing in the modern world that I don�t like at all. Instead of teaching people to save, it teaches the other way. This is out of topic but I do wonder why is it that it seems like a person's financial credibility is evaluated on how he maintains his credit card? Why not how he manages his income (live within his means), made some savings and investment, never needing a credit facility? Why do he have to be exposed to possible fraud? I see it as manipulation. Post Reply
View Profile History	For those outside of the US Posted : 11 Feb, 2011 05:19 PM Mecrymay, Thanks for you answer, that was helpful. As far the credit rating, the best way to know how likely you are to repay a loan is to see how well you handle repaying other loans. Remember, it is a credit rating, not a finance handling rating. Besides, the only way to know how well you handle your finances is to let the banks see everything you spend your money on. Actually, not paying things like rent or utility bills do affect your credit rating, if you don�t pay them. And most landlords will check your payment history before renting you a place. But, the most common rating is a credit rating. Post Reply
View Profile History	For those outside of the US Posted : 12 Feb, 2011 06:16 AM I think to charge non-Americans would be discriminatory and CDFF would have to change their name because it would be no longer free. If thats the case, why have it open to other countries at all? I think some are closed like that and this site being international makes things interesting. Anybody can lie, no matter where they are. I think we just have to do the work involved in this online venue to make sure we get what we want. It's a jewel hunt. Lookin for that diamond in the rough. Our discernment must be extremely keen and our ability to hear the spirit thru prayer, on point. Post Reply
Mercymay View Profile History	For those outside of the US Posted : 12 Feb, 2011 06:42 AM I think we have different banking system. Maybe in your bank statements, you see where your money goes. In ours, unless I issue a check for a purchase, I have no way of tracking my expense just looking at my bank statement. As for housing loan, I settled it thru cash or check. Here if you are a week late in paying utility bills, you will immediately receive a notice it will be cut in such date very soon. What I noticed with credit facilities even government owned, longer terms is kind of promoted which is attractive if one is not confident with one�s income. But if after sometime one is able to make more and would like to settle the loan sooner, one is kind of penalized with rebate being negligible. Credit facilities are already expecting the projected income on interest for the longer term loan availed. I see this evaluation by credit rating as manipulation. Personally I believe a debt free person is more responsible than one that is living on credit no matter how on time he is on paying cause he might just be borrowing from one to settle another and so on. Post Reply
View Profile History	For those outside of the US Posted : 12 Feb, 2011 09:03 AM Babygirl, The point wasn�t to charge only those overseas, but everyone. And, it would be a voluntary thing, onetime payment to validate who you are. You would still be able to be on the site even if you didn�t validate, and others could choose to interact with those who haven�t done so. It�s just that, to my thinking, a scammer wouldn�t be as likely to go through the expense of validating who he is, and then get kicked off the site. It was just a thought. Post Reply
View Profile History	For those outside of the US Posted : 12 Feb, 2011 10:47 AM I hear you. Post Reply
View Profile History	For those outside of the US Posted : 12 Feb, 2011 08:43 PM :applause:This may not help much, but I have a met a few wonderful people on here, especially from the Phillippines! KAMUSTA? Post Reply
View Profile History	For those outside of the US Posted : 12 Feb, 2011 11:53 PM I think any such idea would vastly change the landscape of CDFF. I've actually briefly been on a similar paid-for site. Whilst it possibly had more chance of finding me a husband because there were more professionals (like myself), it excluded those in more difficult socioeconomic situations. This, I think is a shame, because God doesn't look at our wallet or where we are from. It's a blessing to have a place where we can meet and befriend brothers and sisters from different backgrounds! I think we're all capable of using a little bit of discernment and common sense with regards to scammers, and this site is excellent at quickly removing them. PS - there could be a nice girl in France etc for you - let's not put her off by making her pay! ;) :nahnah: Post Reply
View Profile History	For those outside of the US Posted : 13 Feb, 2011 07:43 AM Smili, that is why I posted the question. I figured that most people in European countries could get a credit card. I was more trying to find out how difficult it is for those who live in poorer countries. It would be unfair if it was difficult for them to get a credit (or debit) card in their name. I was just trying to think of some way of verifying the name and address of the person on the other end. I realize that it would not be a perfect system, but short of having everyone get a digital certificate (which costs a lot of money), it�s the current best option. And I wasn�t thinking of a monthly payment, I was thinking something more like a onetime $10 payment. Which would not only help this website, but discourage scammers. Post Reply
Mercymay View Profile History	For those outside of the US Posted : 14 Feb, 2011 04:28 AM I was communicating with someone before who was about to join a marriage tour. I think it was organized somewhere in Texas or Arizona. He was about to pay a certain fee and months before the tour they will let them (guys) communicate with a number of prospects. And choose which one when they meet in person? But we do have laws prohibiting this practice of arrange marriages to foreign nationals. Because he also had friends who wanted to marry Filipinas, he kind of suggested how about someone verifying the identities/status of the ladies, say get a certification from the local officials (Brgy. Chairman & Mayor maybe), take photos, say chat while the verifier is there at her place before they decide to come over. I just don�t know if that is against the law but if the lady has nothing to hide, she will authorize this verification. How about verification on the side of the gentleman? Post Reply

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