A tip - in India, if you have a low credit score, you can still get a credit card if you ask for a "Fixed Deposit" linked credit card. With this option, you hav

A tip - in India, if you have a low credit score, you can still get a credit card if you ask for a "Fixed Deposit" linked credit card. With this option, you have to deposit some amount with the bank in an FD account (FD accounts are fixed term accounts, where you cannot withdraw money till the term is over, and also earn some minimal interest on the money deposited) , and that amount becomes your collateral for the card, and also acts as the credit limit of your card. If you are diligent and a financially prudent individual, the credit company often increases the credit limit later. Ask around if German banks have a similar thing.