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0 pointskuschku8y ago0 comments

None of them have free credit cards.

Santander, Barclay, Hanseatic, Targo, DKB, Comdirect, ING-Diba, Consors, Wüstenrot, Noris, and N26 require that you have at least 600€ each month of movement via the bank account, or at least 1200€/year via the card.

I’ve tried getting a card from all of them. All of them refused, as I’d not use them enough.

> If yours does not

I’m a customer at 2 major national german banks (postbank and commerzbank), and a local one, none of them (or their subsidiaries, such as comdirect) offer this.

I just want a credit card, I’ll use it at most once a year, for at most 100 bucks. That is not available from any bank.

The only offer that exists even similar in cost is the old MyWirecard offer, and they closed my account due to not using it enough.

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germanier8y ago

All of the ones I listed have at least one free offer without 600€ requirement, not sure you got that idea from. I am a customer at some of them without using the account at all and don't pay any fees. Some of the banks are quite picky and refuse customers for no apparent reason but none of them I know even asks how much money you plan to spend with it so that couldn't be a reason. If all of those banks have refused you there has to be something seriously wrong with your credit report, I would get a free § 34 report from Schufa and Creditreform to check if everything is correct if I were you.

Postbank has a Visa or MasterCard for 29€ yearly. Comdirect has a free Visa Debit card. I have it and have not used that account for over two years now apart from downloading the statements. Nothing happened so far and I haven't paid anything.

In your case the easiest solution would probably to order the British prepaid card from Revolut which is available for a one-time 8€ fee and I don't think they refuse anybody. Just note that they are not regulated as a bank but as electronic money so I wouldn't leave large sums of money for a long time on the card (but that's not something you want to do anyway).

kuschkuOP8y ago

> If all of those banks have refused you there has to be something seriously wrong with your credit report, I would get a free § 34 report from Schufa and Creditreform to check if everything is correct if I were you.

My credit report is perfect, and I’ve had no issues with that – but the problem is that I, as student, currently have zero income, and zero spending.

> Comdirect has a free Visa Debit card

Only in combination with the Girokonto, which is only provided if you have any monthly income. Same with Hanseatic. Check their AGB, or call them.

> Postbank has a Visa or MasterCard for 29€ yearly

Same story with this, I’m a customer at Postbank, have a Sparbuch in the 5 digits, but I can’t get a free Visa or MasterCard until I’ve > 670€/month income, and I won’t pay a single cent for a credit card.

> In your case the easiest solution would probably to order the British prepaid card from Revolut which is available for a one-time 8€ fee and I don't think they refuse anybody. Just note that they are not regulated as a bank but as electronic money so I wouldn't leave large sums of money for a long time on the card (but that's not something you want to do anyway).

I’ve had one with them, too, they closed the account because it wasn’t used often enough.

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