I kid you not , if you are illegal or Mexican American , you get them regardless ! I know this because I have a us citizen, Mexican girl who works for me . I was near her when she had her phone on speaker applying . The Spanish speaking woman on the other end was going back and forth in Spanish English . She was trying to get my employee to speak Spanish even though her English is fine . Long story short , it was all about easy funding on a card since she was Mexican . My gardener same thing . They told me how easy it was. If American, get in back of line .