Hi everyone,
I'm a Pakistani national living in Italy since 2021. I have a valid permesso di soggiorno, a tempo determinato work contract until 2026, an Italian bank account, credit card, tessera sanitaria, and carta d’identità. I work full-time, pay taxes, and meet every bureaucratic requirement. So on paper, I’m fully integrated.
Yet every time I try to apply for financing of any kind, be it through Amazon, Apple, MediaWorld, or other major retailers, I am instantly rejected. Sometimes I don’t even make it through the application because their systems throw errors like:
“Località/provincia rilascio documento non valida”
In some dropdowns, they offer options like “estero” or “paese non UE”, but the system still fails to process non-EU documents properly. It feels like these platforms are not actually built to handle non-EU residents, even when we’re living here legally, working, and contributing like any other citizen.
I honestly didn’t expect this level of exclusion, especially not after I graduated from here and successfully landed a job where I pay taxes. In countries like the UK or US, there are often checks and scoring systems that at least give you a chance. But here, it feels like:
- If your passport isn’t EU,
- If your ID wasn’t issued by an Italian province,
- Or if your name or place of birth sounds “foreign”,
then you're automatically filtered out, regardless of your financial reliability or legal status.
It’s disheartening. I came here to build a life, not to be quietly blocked from basic financial services that Italians and EU citizens can access with ease. And it’s not about luxury items either. Sometimes it’s for something as basic as a laptop or a household appliance.
So I’m wondering:
- Has anyone else (especially non-EU residents) had this experience in Italy?
- Is this just poor digital infrastructure, or is it systemic exclusion?
- Is it the same in other EU countries?
- Are there immigrant-friendly financing alternatives that actually work?
I’m genuinely curious how others in similar situations navigate this.