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Deposit and withdrawal methods: Postbank Hammer!! (Page 4)

Topic created on 30th Jan. 2019 | Page: 4 of 6 | Answers: 52 | Views: 24,183
Spectral
Experienced

Postbank Hammer!!

6th Mar. 2020, at 11:37 am CET#31
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lorenzo wrote on 06/03/2020 at 10:22 am: All banks will crack down sooner or later. And if money is returned 3x
i would have left the fingers of it already after the first time. It's logical,
that the bank at some point will take action if you do not want to understand it.

And also splitting amounts as a final solution is total nonsense.
Do you really think the banks are so stupid and don't realize what's happening?
They will also know the typical senders a la Ayden, Casinoname, etc.
So far, they have resisted because they have, for example, when depositing with credit cards
partly fees demanded. But now politics and chargebackers are getting in the way.

So you not only have to win, you also have to comply with all the terms and conditions, the verification
the Verification, possibly the proof of assets, payout delays and finally
still tremble, whether the bank does not zickt.

And if I have a 2nd account, I have to transfer money there first.
The bank will also note this internally, and also know why you have a second account
have. I always find it so cool, wnen the people here think, the banks decks light
to be able to lead. They already know about it before you have thought about it once
have thought about it. Don't always think everyone else is stupid, only I'm so smart......

A second account can also be a savings account or something else

With my secondary account I can also buy cryptocurrency and supports Google Pay, which my main bank doesn't, so anything goes

And also has a much better exchange rate than my main bank

And the bank also has nothing to do with what I need my secondary account for so I find the statement kind of nonsensical

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l****o

Postbank Hammer!!

6th Mar. 2020, at 12:26 pm CET#32
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As I said, people are so smart, and banks are so stupid. You could also speculate with the main account. As a rule, banks offer everything.

With a second account, they already know that there are some other things going on, which they should not get.

In addition, you usually get a Schufaeintrag, which all can see.
If not, it will be expensive at the second bank.

So your statement is kind of nonsensical. If you really believe that you are "safe" with any bank, and no one notices anything, then just keep thinking like that.
The examples you give, who does that? 5 out of 100?

@Begbie

You can bet on it 😅

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Spectral
Experienced

Postbank Hammer!!

6th Mar. 2020, at 12:45 pm CET#33
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lorenzo wrote on 03/06/2020 at 12:26 pm: As I said, people are so smart, and banks are so stupid. You could speculate with the main account. Usually the banks offer everything.

With a secondary account, they already know that there are some other things going on, which they are not supposed to get.

In addition, you usually get a Schufaeintrag, which all can see.
If not, it will be expensive at the second bank.

So your statement is kind of nonsensical. If you really believe that you are "safe" with any bank, and no one notices anything, then just keep thinking like that.
The examples you give, who does that? 5 out of 100?

@Begbie

You betcha 😅

Well, I pay nothing at all and Schufa query is also not asked You just have to inquire

And Google Pay is used by almost everyone I know. In addition, the exchange rate is advantageous if you are on the road a lot. Somehow you really make everything negative.

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gamble1
Icon

Postbank Hammer!!

6th Mar. 2020, at 02:57 pm CET#34
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lorenzo wrote on 03/06/2020 at 12:26 pm: As I said, people are so smart, and banks are so stupid. You could speculate with the main account. Usually the banks offer everything.

With a secondary account, they already know that there are some other things going on, which they are not supposed to get.

In addition, you usually get a Schufaeintrag, which all can see.
If not, it will be expensive at the second bank.

So your statement is kind of nonsensical. If you really believe that you are "safe" with any bank, and no one notices anything, then just keep thinking like that.
The examples you give, who does that? 5 out of 100?

@Begbie

You betcha 😅

I have 3 - 4 accounts at different banks and not a single one has given me a Schufa entry because of the accounts

If they are permanently in the - then you get an entry but not if you have your amounts transacted through it

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Lucifer88neu
Rookie

Postbank Hammer!!

6th Mar. 2020, at 04:08 pm CET#35
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gamble1 wrote on 06.03.2020 at 14:57
I have 3 - 4 accounts at different banks and not a single one has given me a Schufa entry because of the accounts

If they are permanently in the - then you get an entry but not if you have your amounts transacted through it

Every account opening is reported to Schufa. However, this is only a neutral entry and not negative

Multiple accounts can only lower the schufa-score. Just like the presence of many credit cards

Conclusion of contracts, installment payments, loans, accounts, etc., these are all Schufa entries

Only with negative entries (installment default and non-payment even after reminder with announcement of the schufa entry) it becomes the doom

Lg

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l****o

Postbank Hammer!!

6th Mar. 2020, at 06:08 pm CET#36
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Lucifer88new wrote on 06/03/2020 at 16:08

Having multiple accounts can only lower your schufa score. Just like having many credit cards

But you see that sportive. You do realize that a "mere" lowering of the creditworthiness by Schufa entries
can make or break a loan, and the interest rate

I have online access, am a very good earner, no negative entries.
Through comparisons at online portals, overdraft, credit cards, my credit score has dropped to
to 78%. So in fact credit unworthy. As I said, I have no negative entries
It took over 2 years until I had over 90% again

For the Schufa, for example, an overdraft of 10,000 € is equivalent to a loan of 10,000 €, since you could use it at any time
you could use it at any time. No speculation, look at yours, or talk to an employee.

Through my online access, I can see at any time, how quickly by inquiries, or account changes the credit rating
sinks. You can't help but be amazed!

Even casinos that have put an age query there, I have in it. Do you think that banks that want to give you
want to give you a loan, that like to see? I was totally amazed, because I never got an info, that
that they have asked for it. But everybody can see it. And the casino is nicely written on it!

Such statements do not necessarily help the people here security vorzugaukeln a la that does not matter, is
Schufaneutral etc. That is simply not true. Invest a few euros, and look at it yourself!

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wettibernd
Expert

Postbank Hammer!!

6th Mar. 2020, at 07:19 pm CET#37
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Schufaneutral means in German that it has no effect on the score. Normally, a credit neutral entry is also deleted after 3 months.

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l****o

Postbank Hammer!!

6th Mar. 2020, at 07:31 pm CET#38
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wettibernd wrote on 06.03.2020 at 19:19: Schufaneutral means in German that it has no effect on the score. Normally a schufaneutral entry is also deleted after 3 months.

To my knowledge there is no deletion period that ends after 3 months. Please read the corresponding passage here

here.

Almost everything remains stored for at least 1 year, but mostly for 3 years. From 3 months I have
nothing at all. But it doesn't matter.
At the latest, if someone wants a loan, or needs something from the bank, he will see
he will see whether his Schufa is ok despite everything or not

By the way, the query from a casino was in there for exactly 1 year. And it was only about the age query!

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wettibernd
Expert

Postbank Hammer!!

6th Mar. 2020, at 07:47 pm CET#39
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There is no deletion period for neutral entries, as these, unlike negative entries, have no effect on the score and thus the creditworthiness. Normally, these neutral entries are deleted after 3 months, but there is no legal entitlement to this.

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l****o

Postbank Hammer!!

6th Mar. 2020, at 08:34 pm CET#40
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This is simply wrong. A request from a casino, for example, to verify age or address is absolutely neutral,
but it worsens my score. Entries in the Schufa have an impact. Maybe not individually, but several
even neutral entries have effects. Bank changes, age inquiries, even the area of residence has an impact on the score, even though the
Effects on the score, although probably absolutely neutral. If you live in a street where defaults are more frequent
Defaults, it will lower your score, even if you have always paid and can not do anything for the others
can. Nevertheless, you are still included.

What the bank considers neutral or not is hidden from you anyway. What sense would it make then,
neutral entries at all? I had a long and detailed talk with someone from Schufa.
My best buddy is the boss of a savings bank

If you really think that everything is as you are told, that the banks don't know anything, or that banks don't include neutral entries in the evaluation, then I'm sure you're right
Entries into the evaluation, he is a bit naive.
But just believe what you want!

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