I have once again a small story that has made me quite angry and also amazed.
I have in the past 1-2 years now and then made a Deposit through my girlfriend, no huge sums, always only small deposits and withdrawals. Just in the last half year it has been next to nothing in transactions
The account was never in the minus etc. it was not gambled at the limit, ehr rarely and small amounts.
Meanwhile, my girlfriend has a permanent employment contract and also a good solid income, which is why she has considered taking out a loan for a new car
Whether this is a good idea or not, let's leave aside. She has tried to apply for a loan online with different providers, everything has been rejected so far after a corresponding check with the reason that there are gambling transactions on her account
Her Schufa score is very good, no entries. She had to grant full access to her account when applying for a loan
Now the house is in trouble for the time being. Today she has an appointment with your bank advisor (Sparkasse) where she will try again, or inquires there
Have you ever been confronted with this problem? If so, how could you solve it?
In general, I think it is important that every user is aware of the effects that gambling can have. You can quickly get into a predicament where a loan is necessary and if that fails because of some gambling movements on the account...
Banks break out in a sweat when they hear the word "gamble", because there is a Risk that at some point the customer will no longer be able to control himself and will gamble away the whole chapter (even if this is not the case with you). I myself have never had the problem, because for me personally a loan is simply too expensive, but can understand both the bank and the bank customer
Savings banks also handle this very differently in my experience. Depending on the branch and the advisor, they either don't care at all or they take it completely seriously. I wouldn't talk it down either, just be honest and tell them that you set a fixed budget and never exceeded it. You looked at it as entertainment and weren't trying to make money off of it. Stock buying/selling is basically gambling too and can be even more dangerous than online casino. Tell them you play at OCs that have a max bet and where you can only Deposit €1k a month
The important thing is to make it clear that it has never been escalated - which should be easy to prove from your bank statements.
I work for Deutsche Bank and can tell you that we only approve a loan if the deposits are not higher than 10% of net income. If this is not the case for you, write me privately and I can check your credit request. Important is only in the last 90 days no more than 2 chargebacks
Better to take out a loan at a car dealership. There are only Schufa queries. And the sellers also earn money on it, so you can still get something out in contrast to cash purchase.
Maybe she should finance the car directly through a car bank. Believe they are happy when they sell their sleds. When I financed my car (BMW via BMW Bank), I had to present the seller / consultant only 3 payslips. There was then ne Schufa query and ready. Nix with bank statements and Tralala. They also keep the car title as collateral.
I have once again a little story that has made me quite angry and also amazed.
I have in the past 1-2 years now and then also made a Deposit through my girlfriend, no huge sums, always only small deposits and sometimes withdrawals. Just in the last half year it has been next to nothing in transactions
The account was never in the minus etc. it was not gambled at the limit, ehr rarely and small amounts.
Meanwhile, my girlfriend has a permanent employment contract and also a good solid income, which is why she has considered taking out a loan for a new car
Whether this is a good idea or not, let's leave aside. She has tried to apply for a loan online with different providers, everything has been rejected so far after a corresponding check with the reason that there are gambling transactions on her account
Her Schufa score is very good, no entries. She had to grant full access to her account when applying for a loan
Now the house is in trouble for the time being. Today she has an appointment with your bank advisor (Sparkasse) where she will try again, or inquires there
Have you ever been confronted with this problem? If so, how could you solve it?
In general, I think it is important that every user is aware of the effects that gambling can have. You can quickly get into a predicament where a loan is necessary and if that fails because of some gambling movements on the account...
In the Regle you can check online loans even with the normal 3 months salary statement and the super fast account look where they can actually see only the last few months does not have to be made
The disadvantage is then just mostly this slow PostIdent and the paperwork but there they see just what they should also see
For banks we are very good customers but only as long as we do not want anything from you
My advisor has told me at that time clearly I should leave such transactions otherwise I get only problems when I want something
gamble1 wrote on 04.10.2022 at 12:24 pm
In regle you can have online loans checked even with the normal 3 months pay stub and the super quick account look where they can actually also only see the last few months doesn't have to be done
The disadvantage is then just mostly this slow PostIdent and the paperwork but since they see just what they should also see
For banks we are very good customers but only as long as we do not want anything from you
My advisor has told me at that time clearly I should leave such transactions otherwise I get only problems when I want something
Of course she gets a loan somewhere else, but that's not the point !
I do not seriously need a consultant to know that the shot can backfire!
Thank God it's only about a car, with the house would be finito!
There is logically everything durchleutet, every conspicuous account movement questioned!
Of course she will get a loan somewhere else, but that's not the point !
I do not seriously need a consultant to know that the shot can backfire !
Thank God it's only about a car, with the house would be finito!
There is logically everything durchleutet, every conspicuous account movement questioned!
Apparently not so as they say if all are rejected then they get through the transactions just yet no
It is either way actually stupid to use the account at all and if the money from a casino is everything that has to do with gambling except Lotto is dangerous
No credit because of gambling transactions!
Nobody has liked this post so far
I have once again a small story that has made me quite angry and also amazed.
I have in the past 1-2 years now and then made a Deposit through my girlfriend, no huge sums, always only small deposits and withdrawals. Just in the last half year it has been next to nothing in transactions
The account was never in the minus etc. it was not gambled at the limit, ehr rarely and small amounts.
Meanwhile, my girlfriend has a permanent employment contract and also a good solid income, which is why she has considered taking out a loan for a new car
Whether this is a good idea or not, let's leave aside. She has tried to apply for a loan online with different providers, everything has been rejected so far after a corresponding check with the reason that there are gambling transactions on her account
Her Schufa score is very good, no entries. She had to grant full access to her account when applying for a loan
Now the house is in trouble for the time being. Today she has an appointment with your bank advisor (Sparkasse) where she will try again, or inquires there
Have you ever been confronted with this problem? If so, how could you solve it?
In general, I think it is important that every user is aware of the effects that gambling can have. You can quickly get into a predicament where a loan is necessary and if that fails because of some gambling movements on the account...
This post has been translated automatically
No credit because of gambling transactions!
Liked this post:
Caro, 
Paddington
Banks break out in a sweat when they hear the word "gamble", because there is a Risk that at some point the customer will no longer be able to control himself and will gamble away the whole chapter (even if this is not the case with you). I myself have never had the problem, because for me personally a loan is simply too expensive, but can understand both the bank and the bank customer
Savings banks also handle this very differently in my experience. Depending on the branch and the advisor, they either don't care at all or they take it completely seriously. I wouldn't talk it down either, just be honest and tell them that you set a fixed budget and never exceeded it. You looked at it as entertainment and weren't trying to make money off of it. Stock buying/selling is basically gambling too and can be even more dangerous than online casino. Tell them you play at OCs that have a max bet and where you can only Deposit €1k a month
The important thing is to make it clear that it has never been escalated - which should be easy to prove from your bank statements.
This post has been translated automatically
No credit because of gambling transactions!
Nobody has liked this post so far
This post has been translated automatically
No credit because of gambling transactions!
Liked this post:
Max_Bet, 
Paddington
This post has been translated automatically
No credit because of gambling transactions!
Nobody has liked this post so far
This post has been translated automatically
No credit because of gambling transactions!
Nobody has liked this post so far
This post has been translated automatically
No credit because of gambling transactions!
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dersawen
I've been preaching here for years how dangerous this is and you may mess up your future or get funding problems and was often laughed at!
Therefore, I can not understand that as a member for years that you are now times, if you are now surprised about it!
Yes it goes well with some, but there are alternatives that are not so convenient or cost fees, but they are still safe at the moment !
This post has been translated automatically
No credit because of gambling transactions!
Nobody has liked this post so far
In the Regle you can check online loans even with the normal 3 months salary statement and the super fast account look where they can actually see only the last few months does not have to be made
The disadvantage is then just mostly this slow PostIdent and the paperwork but there they see just what they should also see
For banks we are very good customers but only as long as we do not want anything from you
My advisor has told me at that time clearly I should leave such transactions otherwise I get only problems when I want something
This post has been translated automatically
No credit because of gambling transactions!
Nobody has liked this post so far
Of course she gets a loan somewhere else, but that's not the point !
I do not seriously need a consultant to know that the shot can backfire!
Thank God it's only about a car, with the house would be finito!
There is logically everything durchleutet, every conspicuous account movement questioned!
This post has been translated automatically
No credit because of gambling transactions!
Nobody has liked this post so far
Apparently not so as they say if all are rejected then they get through the transactions just yet no
It is either way actually stupid to use the account at all and if the money from a casino is everything that has to do with gambling except Lotto is dangerous
This post has been translated automatically