credit card for 17 year old

76elaine

Went to Nationwide this morning as I have a flex account with them. I asked if I could get a card for daughter on my account but they refused as she is under 18.
Are Nationwide just being awkward? - I opened my flex account with them because it gave free cash withdrawals and she has a smart to save kids account with them.
I'm reluctant to use pre loaded cards if possible because of costs of using these.
Can anyone suggest where now as I really need to get her an account with a chip and pin card so that she can use as a debit card or to get cash? As she wouldn't pass any credit check I presume that I would need to open account and have her as joint signatory?
As she's off to university in September the problem isn't going to go away.

BugsyBrowne

76elaine wrote: »

Went to Nationwide this morning as I have a flex account with them. I asked if I could get a card for daughter on my account but they refused as she is under 18.
Are Nationwide just being awkward? - I opened my flex account with them because it gave free cash withdrawals and she has a smart to save kids account with them.
I'm reluctant to use pre loaded cards if possible because of costs of using these.
Can anyone suggest where now as I really need to get her an account with a chip and pin card so that she can use as a debit card or to get cash? As she wouldn't pass any credit check I presume that I would need to open account and have her as joint signatory?
As she's off to university in September the problem isn't going to go away.

Yes mate quite easily go to barclays,they will open a basic account for her which will give her a debit card..not cash card

fleagle21

76elaine wrote: »

As she's off to university in September the problem isn't going to go away.

I'd say hang fire, and set up a student bank acount once she's matriculated - they usually do some good incentives for opening them.

woody01

Went to Nationwide this morning as I have a flex account with them. I asked if I could get a card for daughter on my account but they refused as she is under 18.
Are Nationwide just being awkward?

That's a current account card.
She is old enough to have her own.......it's simple enough to grasp.

76elaine

Nationwide said she couldn't have chip & pin card and flex account until she is 18. I don't want her on my account but thought that I could just get a 2nd card for my account.
i follow the 18 logic for credit cards but surely with a debit card the money has to be in the account in the first place.
She won't be 18 until several months after she is at university but priority at the moment is this foreign trip in July.
I was going for Nationwide account because of their low charges for foreign transactions - does anyone know of other building societies or banks that have reasonable charges for foreign transactions?
thanks

BugsyBrowne

Did you try barclays as i said earlier..

sulkisu

You could also identify ways of transferring money to whatever city/country she is travelling to and ensure that she has phone card/or ability to make reverse charged calls? There are western union,moneygram and american express facilities (there are others too, but these are the main ones that I can think of) all over the globe and at most (if not all) major airports. Money can be transferred - using your credit card in minutes. You can even do it online. It's not ideal but as a back-up plan, at least you can work out and inform your daughter how you can get funds to her in an emergency - e.g. phone numbers, locations and opening hours of all western union offices in the city that she is visiting .

dzug1

star-fire wrote: »

Did you try barclays as i said earlier..

Doesn't meet the low charges criteria

Lokolo

http://www.lloydstsb.com/current_accounts/under_19s_account.asp
http://www.hsbc.co.uk/1/2/personal/current-accounts/under-18s

Both get a VISA debit card.

Don't know what abroad charges are like though.

dzug1

76elaine wrote: »

i follow the 18 logic for credit cards but surely with a debit card the money has to be in the account in the first place.

No it doesn't - that's the problem that Nationwide are being ultra cautious about. Standard debit card transactions can be put through off line and cause the account to go overdrawn.

Full authorisation debit cards (which Nationwide don't offer, at least with the full flex account) cannot go overdrawn. (In theory anyway - there are some obscure circumstances in which it can happen).