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Thread: LH M&M Mastercard (BNP Paribas - France) Terminated
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Old Oct 12, 2013 | 7:28 am
  #37  
IMH
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Join Date: Jul 2007
Location: Berlin
Programs: LH SEN, BA Gold, SK Gold; Accor Diamond; IHG Diamond-Amb; Meliá/HH/Bonvoy Gold
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Originally Posted by andybryant
I think they both basically say that as they can't check my German credit history, they can't give me a Visa card.
Basically yes.

comdirect says they'll only open a current account (Girokonto) if they're happy with an applicant's creditworthiness. They typically ask the SCHUFA (German credit report database) for a report, but for people living outside Germany there's not enough information in the database for a reliable assessment.

DKB says they need to assess creditworthiness because issuing a debit card and a Visa card effectively means giving credit. Their standard application review procedures and company policy means they won't open an account for you at this time.

It stinks a bit. I've got a DKB-Cash account that I opened as a UK citizen living in the US. I also got a DKB M&M MasterCard just a couple of months ago.
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