Originally Posted by kauppias

generally YES, but there are exceptions as someone said banks have their own systems too. For example a customer can easily get 40000€ unsecured credit linffrom Nordea oror Handlesbanken but be denied for a 2000€ from Sampo bank or Danske or whatever its called these days. They do not lwt you know why they deny you so go figure. I prefer the US system where its quite clear.

I wish EU would open up the credit markets too, one should be free to bank where one wants to...