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Cheque guarantee/debit card?

Hi

On a loan application it asks whether or not I have a cheque guarantee/debit card?

I have a debit card so I assume I answer yes?

Why would this be asked on a loan application?

Comments

  • withabix
    withabix Posts: 9,508 Forumite
    edited 7 August 2011 at 9:15PM
    Because it is a financial product associated with identity and having a full bank account.

    You don't have a cheque guarantee card though. Nobody does any more - this ended on 30th June this year.
    British Ex-pat in British Columbia!
  • It would be asked because prior to the withdrawal of the cheque guarantee scheme, it would have enabled you to make payment (via cheque) without necessarily having funds available.

    Withabix - some people may still have cheque guarantee logos on their debit cards, albeit the faciliity is no longer accepted.
    Before you ask, yes, I work for a bank, but no, I didn't get a bonus!
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