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Online Casinos in general: Banking problems as a gambling addiction customer

Topic created on 30th Dec. 2018 | Page: 1 of 2 | Answers: 11 | Views: 11,477
tobineu
Amateur

Banking problems as a gambling addiction customer

30th Dec. 2018, at 08:37 pm CET#1
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I am branded as a gambling addict at my house bank

Some time ago my overdraft facility was cancelled and my credit card cancelled

This happened after I had repeatedly taken out an online credit from my house bank at that time
I never had chargebacks - only 1x about 15 years ago
My loans have now all been paid back for about 6 months

- how long does this negative feature remain stored at my bank?
- Is this info reported externally to a central location?

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Huseyin
Experienced

Banking problems as a gambling addiction customer

30th Dec. 2018, at 09:55 pm CET#2
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Which bank is it

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tobineu
Amateur

Banking problems as a gambling addiction customer

30th Dec. 2018, at 10:34 pm CET#3
1 Like

Liked this post: Avatar von Huseyin Huseyin
it is a savings bank

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derzweifel
Experienced

Banking problems as a gambling addiction customer

30th Dec. 2018, at 10:40 pm CET#4
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What sums (approx.) are we talking about here that were taken out as a loan and what reasons were given for deleting your overdraft facility/card? Has the bank advisor commented on this?

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tobineu
Amateur

Banking problems as a gambling addiction customer

30th Dec. 2018, at 10:45 pm CET#5
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were several individual loans with a total of about 28,000 euros
I received a very vague explanation. However, I have disclosed my problem
But everyone could have "guessed" from all the entries on the account statements

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Anonym

Banking problems as a gambling addiction customer

30th Dec. 2018, at 10:59 pm CET#6
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I can imagine that such a thing is either a lifetime or at least for years in the account somewhere deposited...
There I make me e.g. for a long time no more hopes^^

The with the Dispo cancel I had 4 years ago, just like that, without reason. (although I could already think of it)
Of course they know where the money goes. My bank advisor had already asked me 6 or 7 years ago and that was a few deposits via PayPal at bwin, or he knew
it already, because he had just informed...

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Marqes
Expert

Banking problems as a gambling addiction customer

31st Dec. 2018, at 12:21 am CET#7
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I find that very unfair from the bank-
because I think, is one not old enough?
As long as you always pay off your loan installments etc. on time, it can't matter to the bank what you take out the loans for.

Then there's just the thing with the semi-illegal gambling, I can imagine that the bank employees are trained there, that you with cashbacks ..ehm no, what's the word for it ?! Anyway, if you book it back, that the bank must then pay it out of pocket.

Still... I mean why is it so important to you to look good with your house bank?
There are nowadays almost as many banks as Online Casinos, a current account is opened quickly, especially through the Internet, as well as credit cards and loans, there are many online portals that specialize in it, where everything is done with a few mouse clicks and you have money in the account in a few days.
Dispo is much too expensive anyway and should not be used at all if possible or not even set up.

With a good Schufa you should have a good income no problems, each bank takes a but gladly as a new customer.

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Timo0510
Top Member

Banking problems as a gambling addiction customer

31st Dec. 2018, at 02:01 pm CET#8
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Loans etc are all given after a Risk assessment.If you Deposit regularly in casino,this is of course a factor that makes the bank sit up and take notice.Is quite normal.Simply create an e-wallet.Always only there deposit and withdraw.Then the bank can only assume it,but nothing to prove

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Anonym

Banking problems as a gambling addiction customer

31st Dec. 2018, at 02:15 pm CET#9
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I'm with Commerzbank, and they block certain providers. If I want to transfer directly from the account, the transfer does not come through
Say, my bank works only with licensed providers Has even called me and said that is so in the system, and just the reason.

Since ne Malta license is not enough. But you also feel safer


But otherwise, the bank just goes by Risk factor

As a gambling addict, or potential gambling addict, they already have the right. Just because you can still pay off everything. I think the bank goes there after experience
And just economically. You are simply a risk factor that is not worth it

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Marqes
Expert

Banking problems as a gambling addiction customer

31st Dec. 2018, at 02:19 pm CET#10
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Timo0510 wrote on 31.12.2018 at 14:01: Loans etc are all given after a Risk assessment.If you Deposit regularly in casino,this is of course a factor that makes the bank sit up and take notice.Is quite normal.Just create an e-wallet.Always just deposit and withdraw there.Then the bank can only suspect it,but nothing to prove

Maybe that's how it is when you want a loan at your local bank.
All other banks simply check the Schufa ...sure there is no reporting office for online casino players 🤣🤣🤣 who deposit online now and then.

Problems could arise if the bank requires account statements for the last month, which is possible and common above a certain credit amount.

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