Nationwide "Upgrade" to Debit card

gilligansyle

All the talk of living in the past is getting away from the point. Personally I use cash, as it helps me to budget, I don't take my debit card out with me. The OP has said that they use a credit card and pay off the balance in full (presumably either by DD or by cheque?) so they are not living in the past.

The fact is though that even if you do find a bank with a CGC rather than a debit card, there are very few places now that take cheques, no supermarkets, most shops, so it would only be a short term solution anyway.

Moniker

JA1000 wrote: »

Too much time on your hands, do you start your car with a handle at the front?

Actually I didn't know you could access this web site with a typewriter!

I don't think you need to be so rude. There are lots of people who prefer to use cash as it helps them to budget better. Not everyone has access to a computer.

Also, cheques can't be entirely eradicated as charities and local groups such as churches or scouts need to have more than one person to authorise an expenditure - they can't do this with a debit card as they need two or more signatories for a cheque.

Do you pay your window cleaner or milkman with a debit card I wonder? As it happens I do use a credit card and have online banking and pay most bills by direct debit, but I object to be made to have a debit card when I don't want one and the NW is not giving me a choice because they will not let me have a cheque book unless I 'upgrade' to a debit card.

Moniker

Rao_Vantika

JA1000 wrote: »

Too much time on your hands, do you start your car with a handle at the front?

Actually I didn't know you could access this web site with a typewriter!

A bit uncalled for I think.

simax

Moniker wrote: »

Do you pay your window cleaner or milkman with a debit card I wonder?

Remember Moniker, this is MoneySavingExpert.com - People on here clean their own windows and walk to Tesco's to buy their milk

noh

simax wrote: »

Remember Moniker, this is MoneySavingExpert.com - People on here clean their own windows and walk to Tesco's to buy their milk

Or don't clean the windows and don't use milk. Neither are essential.

usedandabused

JA1000 wrote: »

Too much time on your hands, do you start your car with a handle at the front?

Actually I didn't know you could access this web site with a typewriter!

how anyone can thank your rudeness is beyond me, it is people like you that ruin this site when you post rude comments which are not constructive!

karatedragon

I though that was pretty rude really. I do have a computer! But I do handwrite letters I write. I think that is something that shouldn't be lost.

lordash

JA1000 wrote: »

Living in the past - why not deal in gold coins, or try bartering as a form of exchange.

At least in that case somebody can't impersonate you and somehow steal all your gold coins without leaving their house.

I'm all for this type of account, I don't like the thought of somebody having the ability to empty my bank account and max out my overdraft in a matter of minutes (it has happened to me before).

At least with a credit card, if the account details are taken its the banks money that has been stolen, not my own.

Unfortunately, AFAIK every account with a cheque book (other than the Leeds one) comes with a debit card.

JA1000

Ha - you are all missing the point (well some of you living in the caves), if you consider it rude it's a tame forum!!

You have no control over these changes, to have one card which covers all saves costs and makes more money for the banks. Profit is king over your desires, and it makes life easier.

Move with the times and accept it, cheques have been on the way out for years having peaked in the early 90's. They only reason they are still about is because card machines are just taking time to filter through to the milkman / window cleaner due to costs

It wasn't that long ago I had to send a cheque to my solicitor now I just pay by card over the phone, how easy is that compare to writing an posting cheques.

I have also found this wonderful invention of a key to start my car, it's amazing. However I am really worried that this is being replaced by a card and a button - actually the latter makes life easier!!!

karatedragon

The Albion Cheque Account seems to be the only account that has just a Cheque Book and Guarantee Card facility.

I am interested in this account myself. It says you need a balance of £2,500 but I rang them and they said if it falls below this you just don't get any interest but there is no other penalty unless you go overdrawn.