Young adults not allowed credit cards or to buy foreign currency

400ixl

Could you not get a credit card like the Halifax Clarity card for yourself and then get her an additional card that she can use. She can then pay off whatever she puts on that card directly from her own bank account.

Once she has a credit history built up of her own then she can get a card of her own, but will cover the immediate need.

CAG8

Thanks - yes I have an associate Halifax Clarity card on my husbands account as that one has always been really good for travel - that was why we originally has it.  Thanks for the tip - she is off too soon for this time, but definitely a good plan to get something in place before the next trip.

400ixl

We got one in days for my daughter and it was available almost immediately in the app. She could also add it to her wallet on her phone (aplle / Google pay) if the physical card arrives after she has gone if you give her the details.

CAG8

OK - great - I'll def have a look!  Thanks very much!!

onomatopoeia99

CAG8 said:

She has applied to be on the electoral roll but I don't know whether that process is completed yet.

She's 19 so should already have been on it for at least a couple of years. They ask for the details of anyone aged over 16 (England) or 14 (Scotland and Wales) on the form that goes to each address each year and send registration forms to anyone newly eligible thereafter, since we now have individual voter registration rather than the antiquated and patriarchal "head of household" scheme that existed when I was a teenager..

Grumpy_chap

CAG8 said:

Daughter (19) is organising fairly long trip abroad but isn't allowed a credit card and now we find she can't even buy cash because she doesn't pass the security check of The Currency Club.  

By "isn't allowed" you clarified that you mean that she does not satisfy the criteria for the credit card providers.
This may well be a factor:

CAG8 said:

She isn't a student yet, but will be in Autumn.  She has been earning since leaving school, but only small amounts and that has ended now so she can't say she's going to be receiving an income any time soon.

Assuming she completes the application honestly, so it reflects what is stated above, the credit card provider would assess zero ability to repay the debt.

A "credit builder" card may provide a service but the limits may be far lower than would be desired to support the travelling that is planned.
(It is a similar issue to the low credit limit that my wife has when applying as "house wife".)

As for buying cash, I am sure she can if she chooses an exchange service other than "The Currency Club". 

NoodleDoodleMan

Could the young lady not become an additional cardholder on a parent's credit card ?

zagfles

Our kids have had debit cards with zero fees abroad since they were 12 !!

Eldi_Dos

zagfles said:

Our kids have had debit cards with zero fees abroad since they were 12 !!

I hope it is not rude to ask but why?

zagfles

Eldi_Dos said:

zagfles said:

Our kids have had debit cards with zero fees abroad since they were 12 !!

I hope it is not rude to ask but why?

Because they came with the Nationwide kids account. I'm not sure they ever actually used them abroad till they were about 16 or so, but they could have.