We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
Where can I get a current acct?
donmonster
Posts: 33 Forumite
Hi
Just wondering if anyone can help - basically Halifax downgraded my acct when I got a new card to a Visa Electron - the disadvantages of these have been well documented!!
I have tried to upgrade but because I have a default on my credit file they will not do it. This is being paid off via a monthly payment to the CCCS - so won't be paid fully for quite a few years. I explained to them I did not want an overdraft or credit facilities but they say it does not matter.
Now I am paying in about £3000 in total into the current acct each month so can anyone suggest where I might be able to get a current acct that will give me a Visa Debit - or any card but a Solo or Electron? The problem is they all seem to want to do a credit search....
Thanks
Just wondering if anyone can help - basically Halifax downgraded my acct when I got a new card to a Visa Electron - the disadvantages of these have been well documented!!
I have tried to upgrade but because I have a default on my credit file they will not do it. This is being paid off via a monthly payment to the CCCS - so won't be paid fully for quite a few years. I explained to them I did not want an overdraft or credit facilities but they say it does not matter.
Now I am paying in about £3000 in total into the current acct each month so can anyone suggest where I might be able to get a current acct that will give me a Visa Debit - or any card but a Solo or Electron? The problem is they all seem to want to do a credit search....
Thanks
0
Comments
-
This DISCUSSION is about your problem.0
-
Thanks Grumbler...it seems though that none of the posters here have Defaults against them - basically I know my Credit file is awful....seems I may have to put up with the Electron for the foreseeable - and just try and carry Cash to avoid embarrasment!!
Thanks
Donmonster0 -
As far as I understand, if one has a good history, he could expect to get Visa-Delta debit card. However, they recommend Natwest and HSBC that issue Solo cards for account similar to what you have with Halifax. It is worth trying to apply. You have nothing to lose!0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354.3K Banking & Borrowing
- 254.4K Reduce Debt & Boost Income
- 455.4K Spending & Discounts
- 247.2K Work, Benefits & Business
- 603.9K Mortgages, Homes & Bills
- 178.4K Life & Family
- 261.4K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.7K Read-Only Boards