Not even bad credit, some banks will debank you for a variety of arbitrary reasons. You need an address, usually have to have regular income, and have to have all of your documents at a minimum, but if you end up in CHEX for any reason (like telling a bank to fuck themselves for almost $400 in overdraft fees that were their fault in the first place) you get denied outright.
If that sounds easy and simple then congrats on your incredibly privileged and sheltered upbringing.
My father falls hard for pig butchering and romance and job scams. On top of the social engineering where he sent various people all his life savings, they also sold his account information and repeatedly drained his accounts. He noticed and reported as fraud the non-voluntary transactions (remaining impervious to all their red-flag communications on the voluntary transactions), on at least a weekly basis for like a year before the banks iced him out. I can’t really blame the banks there.
Not even bad credit, some banks will debank you for a variety of arbitrary reasons. You need an address, usually have to have regular income, and have to have all of your documents at a minimum, but if you end up in CHEX for any reason (like telling a bank to fuck themselves for almost $400 in overdraft fees that were their fault in the first place) you get denied outright.
If that sounds easy and simple then congrats on your incredibly privileged and sheltered upbringing.
My father falls hard for pig butchering and romance and job scams. On top of the social engineering where he sent various people all his life savings, they also sold his account information and repeatedly drained his accounts. He noticed and reported as fraud the non-voluntary transactions (remaining impervious to all their red-flag communications on the voluntary transactions), on at least a weekly basis for like a year before the banks iced him out. I can’t really blame the banks there.