How to get debit card for student

7891368

If my Mum 'allocated' me my student loan like pocket money I would go mad.
She's at least 17 so surely can budget, from personal experience it's people that live out of daddy's wallet that can't budget. I don't get any grant, so everything I spend at uni is interest from savings and earnings from a job, I work at 20 hrs min/week alongside my studies.

But yes I do still I have a life, just a good working ethic as well(;

dontpushit

7891368 wrote: »

If my Mum 'allocated' me my student loan like pocket money I would go mad.
She's at least 17 so surely can budget, from personal experience it's people that live out of daddy's wallet that can't budget. I don't get any grant, so everything I spend at uni is interest from savings and earnings from a job, I work at 20 hrs min/week alongside my studies.

But yes I do still I have a life, just a good working ethic as well(;

Well I really admire you, I know it must be tough, particularly without any grant - I'm sure with you will go far in your chosen career. Just remember we all try and do what we think is best for our children, what works for some may not work for others. C'est la vie! Please don't make judgements based on what you think you know, particularly about daddy's wallet! Thanks to everyone for their advice, very much appreciated.

7891368

The daddy's wallet is a generalisation. People use at Uni the same way, youth get called yobs in normal society, just refers to people that live off their loans/overdraft/handouts from their parents instead of getting jobs aswell.

Everynamestaken

Some people are just better than others at handling money. Discipline is they key with budgeting, and some people are just better than others at it, it is the way it is.

When I was at Uni, I could not dream about not having a debit card. Way I see it, it is freedom, and surely it's best to learn from your mistakes when your 18 and in the first year of uni (aslong as your mind set is sensible), than to just feel the freedom at 23/24 when you have what is hopefully a good wage.

FWIW, I never bothered with the overdraft. I always had it drilled it into me by parents not to spend (that much over) what I don't earn every week/month. It worked ok for me did that sytem through university, and enabled me to come out with alot less debt than others.

Everynamestaken

Just to add, I would probably just go in HSBC or ring them up. Someone friendly enough will sit down with your daughter and then she'll have her own debit card. Plus I've got flexible saver and fixed saver too, which (not much of a problem with the girls at uni, but it seems to be with the lads) if she feel the need to sign upto internet accounts such as gambling, well with the flexible saver (you can transfer it to your current account anytime), it just limits how much money you think you have to spend (well waste) at first. It seems to be instict at first when you have plenty of money in the account for the first time to just spend it, but with the hsbc flex saver, it just means I can save some money for a rainy day without me actually having it on my card as such.

Sorry for the long winded and maybe simple respons, but thought I would add my tuppence.

Fang_3

Is she incapable of sorting this out herself? Is there any reason that you're treating her like a child? She must be a laughing stock, not that anyone would say this to her face. How embarrassing for her.

rosalie-lavender

Fang wrote: »

Is she incapable of sorting this out herself? Is there any reason that you're treating her like a child? She must be a laughing stock, not that anyone would say this to her face. How embarrassing for her.

If she has any sense how she works out her finances is not discussed with her friends and hallmates so there is no reason for her to be a laughing stock any more than those who have got into debt already. The OP and her daughter have come to an arrangement that they are both happy with. It isn't my way of doing things with my son but I am sure I do things for my uni based son that other people would consider "treating him like a child." It is a two way thing though, I sometimes do things for him because he has issues of privacy, lack of time when he is in the thick of exams etc but later on when when he is home and my computer wants fixing he will sort it out for me.

To the OP my son applied online for a Halifax credit card last summer and was rejected online but later had a letter through the post asking for proof of identity. Once he sent that he was accepted so it might be worth her telephoning them to find out if there is a particular issue. I also agree she will get further if she goes into a branch and asks to speak to someone rather than just doing it online.