bank accounts with debit cards

sick_of_being_skint_2

I'm sure I've read you can open a bank account with a Solo card if you have pooh credit. Is this true and who with>

CLAPTON

natwest step a/c has solo as does First Direct
co op has electron

immoral_angeluk

Well it's not with nationwide I can tell you. We've got a current account and have asked a couple of times to have an electron/solo card and they won't saying that it's because of our credit rating.

mummyemma

I have a co-operative basic bank account with a visa electron card and i also have a llyods basic bank account with a cash point card (only problem is you can on use it a llyods cashpoint). My credit rating is awful and had no problems getting these.

Hope that helps
Emma

inmypocketnottheirs

Also you can get a visa electron card from Woolwich Building Society with their cardsaver account. Even with a cr*p credit score.

HTH

sick_of_being_skint_2

ooooh who should i try then?

mummyemma

depends on what you want. I love my llytods account cause i have to go and get the cash out so makes me think about what i need and why i need it. People think im mad paying in cash, but it is so much better for us.The down fall is that if i get caught in a emergency im stuck.

So i opened the co-op account that has a small amount of money in for emergencys or if i need to purchase stuff over the net.

just my view

Emma

cattie1

I got an alliance and leicester electron card with a disgraceful credit report, but beware if you ever do go overdrawn in this bank (I also got a cheque book but no chq guarantee card) their charges are extortionate!:mad:

milliejon

This link to the FSA might help http://www.fsa.gov.uk/consumer/pdfs/bank_account.pdf.

It shows each basic account, and what it offers.

rog2

sick_of_being_skint wrote:

ooooh who should i try then?

I would suggest that you try two or three, just in case you are rejected by one of them. Whilst most will give accounts to people with poor credit ratings, they usually need to do a credit search, to confirm that you are who you say you are, i.e. on electoral roll. This search MAY result in a refusal by one or more banks.