delphiandomine: What nationality are you? Incidentally, anyone refusing credit for stupid reasons like you list above should be ignored anyway - who wants to deal with outdated thinking? But...if you want something convenient, couldn't you just obtain Polish citizenship if you're married to a Pole and have been here for over 5 years? It's certainly the easiest way! I'm British, so technically I don't need it anyway. The thing is Olsztyn has a weird mindset...
Seriously, when I applied for GE Moneybank credit they were fine; I showed them all my residency docs, firm paperwork, ZUS and tax payments etc... then they asked for my PESEL. I handed over my pobyt and the lad said, "There's no PESEL." I said that I had one on a piece of paper from the ratusz (obviously, I'd need one to start a firm). He made a few calls and then apologised, saying they wouldn't give credit to someone who didn't have PESEL number on his pobyt. No amount of meetings with other meletters was of any use.
The Skoda shop... well, I wanted 5 year credit to buy a car 'on the firm' (paid about 10-15k up front). They said i had only 3 years on my id so they wouldn't do it in case i ran away to UK (duh!). My wife said she'd take the credit and run away to UK the next day. Mind you, we are talking about a car showroom where you have to carry cash because you can't pay 1000 zlots insurance with plastic.
I should take citizenship, then I could go to UK and get all the preferential treatment (translators, free money transfers etc) that i can't get as a Brit in Poland.
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