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Pre loaded cards
A friend is on a relatively low income, mainly income support, he lives in Northern Ireland in supported accommodation
His sister who lives in the Republic of Ireland wants to send him some sort of top up on an occasional basis, such as birthdays, new clothing, essentials, she has suggested Revolut? As I understand it that is a prepaid credit card, you can't go over the limit lodged ?
Now he has no passport or driving licence and doesn't want to apply for the card, get turned down and have a black mark against his name. The sister wants him to get a prepaid credit card so he can't overspend. Is that possible ?
Comments
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He can't be forced to have a card he doesn't want. But as getting a prepaid card isn't applying for credit there should be no credit check. That's why people can get them for kids as there's no credit agreement to sign up to.
There should be no worries about this and no reason to fear he'd be rejected. (not that my reassurance is likely to help!) Can Sis apply for one on his behalf? Or one of his support workers?I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe and Old Style Money Saving boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
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No he is not been forced to have a card as such, it is because he has a condition that makes him go on a wild spending spree and the sister wants to protect him
what do you mean by can his sister or support not apply for him. Remember the sister lives in RoI he lives in NI0 -
Can she not just do a bank transfer directly into his current account (assuming he has one) ? That way she can send him money and he can access it very easily - and as long as he doesn't have an overdraft facility on the account, he can't spend more than he has.
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I wouldn't send pre-paid cards, they can be lost or stolen easily. Why not just setup a standing order of a fixed sum to his bank or building society etc - even a person with terrible credit can at least get a basic account, if not a normal account
Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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You do not get a 'black mark' because you apply to a company and they don't want your business.kah22 said:Now he has no passport or driving licence and doesn't want to apply for the card, get turned down and have a black mark against his name.
As advised, the sister should just send money direct to his bank account. The whole prepaid card thing is just complicating a simple situation.0
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