Basic Bank Accounts

jackjones01

Fedz wrote: »

Personally I'd keep them open as later if & when you apply for credit a question often asked is how long have you had the account - looks good when you say years - used or not

My Nationwide Flex account was the simple cash card so I never used it since opening 4 years ago but, they've now changed it to a debit card & an embossed one (not electron), so despite not using it I did pretty well keeping it

A few weeks ago while my m8 was getting a phone contract they looked at his card (electron, un-embossed) & refused it but, mine they accepted happily

I love your way of thinking Fedz. :T

Im going to have to empty my wallet of bank cards now and just keep the cards in itI actually use. Ive got a new Northern Rock Debit card on the way lol.

Fedz

Damn cheek on it you're getting one I haven't & now at 2.15am I can't call as it's post or telephone applications only :mad:

I l♥v the look of the card though - deffo applying

10am lines open - my alarm is set

I_luv_cats

You can always get an available balance @ an ATM.

I like the idea that Co-Op use a card reader for Internet
transactions. I find that Co-Op update their systems quicker
after midnight.

I've found branch queues non existent. Most of other banks have
horrendous queues!!

Telephone enquiries are very efficient 9.5 / 10.

jackjones01

Fedz wrote: »

Damn cheek on it you're getting one I haven't & now at 2.15am I can't call as it's post or telephone applications only :mad:

I l♥v the look of the card though - deffo applying

10am lines open - my alarm is set

The only problem with the Northern Rock Cash Card upgrades is that the card is for UK use only :mad:

jackjones01

I_luv_cats wrote: »

You can always get an available balance @ an ATM.

I like the idea that Co-Op use a card reader for Internet
transactions. I find that Co-Op update their systems quicker
after midnight.

I've found branch queues non existent. Most of other banks have
horrendous queues!!

Telephone enquiries are very efficient 9.5 / 10.

I totally agree with you regards to branch queues they are non existent. I think the co op are a great bank and I love the fact you can pay money in at the Post Office. Its just the delay in them debiting your account when you pay by card that annoys the life out of me. :eek:

Fedz

jackjones01 wrote: »

The only problem with the Northern Rock Cash Card upgrades is that the card is for UK use only :mad:

That's ok I only go as far as Margate

I can FP between accounts. It'll do to play with - Phoned & completed, on its way - thanks

jackjones01

I got my northern rock visa debit today its just the same as there normal one except it says UK use only on it :eek:

I would post a pic but I have not got my lead to take the pic and sned it to my laptop :mad:

Fedz

Wahoo! Fantastic :T Mine should be arriving soon. They're on the ball

jackjones01

Just a quickie does having a basic bank account reporting to the CRAs actually do anything for your credit rating?

money_grows

Fedz wrote: »

Damn cheek on it you're getting one I haven't & now at 2.15am I can't call as it's post or telephone applications only :mad:

I l♥v the look of the card though - deffo applying

10am lines open - my alarm is set

Is Northern rock offering a current account/savings account?

Is it a normal current account but more of a savings name for it instead?