In US, if you have no credit score or a poor credit score, you can still get a credit card by making a collateral deposit with the bank (usually they expect it to be 2x your expected credit limit).
And transferring money to random bank accounts outside of the country is rather messy in US. Some banks won't even let you do it online.
Interesting, I didn't know that was a thing. I offered this when I couldn't get a credit card, but no dice. Didn't know this was a common solution elsewhere. I figured they didn't want to deal with custom solutions for uncommon cases like foreigners with no credit score wanting a debit card that has a credit number (essentially, that number is all I want, I don't need a loan/credit at all). Maybe it's not a thing here because a credit card is not as common or necessary.
And transferring money to random bank accounts outside of the country is rather messy in US. Some banks won't even let you do it online.