@Jakob-Y#159965 If you actually read the lady's original post, you would have realised she was really asking for an overdraft of 150€ twice per year to loyal bunqers. I don't think she meant a loan per se. She probably meant a gift for loyal customers. In my suggestion to implement secured credit cards a few days ago, that idea would in no way violate bunqs's original principles. Why? Because in reality we would still be technically using our own funds. Last night you came up with even a way better solution. You suggested a way to set negative number balance which we could use as an overdraft. We would be providing the credit ourselves, so I don't see how this would be against the banks principles. As a matter of fact, bunq technically already implemented a secured credit card. The Travel Card and Green card. I came across some from Latvia. I think I mentioned this to you before. In Latvia, they use the same exact mechanism in their secured cards that bunq now implemented. Same thing. The card is tied to a bank account and the word "credit" is printed on the card along with card bin setup to credit mechanism. We are all bunqers and it's always good share ideas, be it good or not so good. 😉👀👍

@Dyouth27#159971 In my suggestion to implement secured credit cards a few days ago, that idea would in no way violate bunqs's original principles.

What I wrote in this thread is mostly about this thread's topic. When it comes to your topic about secured credit cards, I voiced my opinion and suggestion there. And yes, a 100% secured credit card is not against bunq's principles as far as I interpret them.

@Dyouth27#159971 she was really asking for an overdraft of 150€ twice per year to loyal bunqers. I don't think she meant a loan per se. She probably meant a gift for loyal customers

Gift or overdraft. It's one or the other. One is money you get and don't have to pay back, the other has to be paid back at some point. Both wouldn't be something I could ever see bunq do. (Well, except for their marketing raffles maybe. But I don't think the OP was asking for more contests to enter.)

@Dyouth27#159971 We are all bunqers and it's always good share ideas, be it good or not so good.

100% agreed 😉 Sorry if I have sounded a bit like a negative nanny at some point. I do mean well and want to encourage everyone participating here. Cheers!

@Jakob-Y#160004 Well, actually I did learn a few things from you and no, you don't sound like a negative nanny. Culture difference? Maybe. However, I don't think you were negative. Too bad Coronavirus seems to be after all of us and so I'm home reading and writing bunq ideas. Lol 😂😂😂

@Stephane-Azure-Kiwi#160178 How exactly would that work? If you didn't mean a loan or a gift, what do you mean by help if you can? Now I'm not sure your messages is clear at all. Sadly... 😞😞

@Stephane-Azure-Kiwi#160251 you can never be sure that people will reimburse you, who should carry the risk for this? If bunq would need to carry this risk then they need to ensure to be able to compensate this with other income.. how do you envision this exactly?

@Stephane-Azure-Kiwi#160273 Klopt, ik heb nood aan een nieuwe vriendin (verkering net uit), maar krediet, een lening of rood staan gaat Bunq denk ik niet doen.

@Stephane-Azure-Kiwi#160273 I have a idea with title "Make secured credit card an option." On that thread you can see my response as to how Bunq could do it, as well as Jakob-Y suggestion to be able to get overdraft by setting a negative balance ourselves.

@Stephane-Azure-Kiwi#160269 Even for loyal customers there is a risk that has to be covered somehow. Someone being a customer for years is no guarantee they will not abuse the ability. So bunq would need a way to cover that risk,... I do like the idea in theory.. It has been proposed multiple times already, but it should also be feasible for bunq to offer it. That's what's often lacking in these ideas unfortunately. So I'd love to hear how you expect these risks to be covered.. 🙂

@Sander#160399 The only way to cover it is by implementing my original idea or the idea that Jakob-Y proposed. Otherwise it's an unsecured credit/overdraft. I made a post a few days ago. You may check it out. Jakob-Y actually made a counter suggestion in response to that post. My original idea could work. His idea could perhaps work too...

So nobody interested about loan or overdraft?