Hi,

it's not that I'm having terms, I'm just trying to be reasonable and methodical, choose what's best and do it as best as I can. If I need to choose 20 cards to unlock out of 50, I want to know that I choose those which have the highest probability of not causing trouble. My hint to you all, the majority holder of mBank is the German Commerzbank, and from what I've learnt at the local branch, Commerzbank is dictating the mBank current policy- I've got to know about a lot of innovative efforts on the side of mBank propmted by the German giant, this is the opposite side of what you've all experienced. High standard. Maybe this high standard goes in line with high standard AML... Don't know, but I'll definitely investigate the matter and still try to help.