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Where I am from in Europe, in Estonia, we havr a negative credit score system and when you want to get a big loan then you have to give the bsnk your account tr
by skeletal88 5y ago
Where I am from in Europe, in Estonia, we havr a negative credit score system and when you want to get a big loan then you have to give the bsnk your account transactions from the last 6 months so they can see what you are spending on. Casinos and such are frowned upon. But nobody uses Credit cards. There are talks about creating a positive credit registry also, but it is for the short term lenders who should be able to see that you took out a loan yesterday and then they should not give you one today
- MaxBarraclough 5y agoSounds easily gamed. Can't you just use cash at the casino? I suppose I'm assuming rational actors though - downrating people for having casino payments on their card might still make statistical sense.
- Duralias 5y agoWould look odd for you to take out tons of money through an ATM though. Someone who needed to game that system probably spends enough that it would be very hard to explain away those withdrawals.