Bank account

greenpixey

Thanks to the help and advice from this board during the last 24 month (and CCCS) we are since September last year debt free. :j
We initially had to change our bank to Nationwide and accept a cash card. But we have tried twice since Sept last year to ask for a Debit Card but been declined. The building society cant tell us why and I cant find a reason why looking at our Experian report (I'm gonna call them up and see if they can clarify it for me).
Is it worth trying to move over to a different bank now?
I don't want an overdraft limit, just a debit card that I can use in the shop and perhaps over the internet. Also be able to sell on Ebay again would make a difference.
I have contemplated applying for a Prepaid credit card but it is not really what we want or need.
Any suggestions?

Emmy_L

I was with Nationwide for 9 years before they would give me a debit card!LOL
Not that I am suggesting you wait that long,by any means,but Nationwide,IMO are very slow to let their customers have anything new!
My husband and I have tried to get a joint account with them,and,even though I have been a customer for a VERY long time,they refused us.
We checked our credit reports,but what Nationwide says,goes I'm afraid.
It may be worth you trying with a different place now that your debts are paid and your credit rating is improved
Sorry I couldnt be more help

classworthy

I was with the Nationwide for 7 years and although I asked for a Debit Card every year I was constantly turned down ( poor credit history no doubt ) and eventually gave up asking and moved.
I applied for a got a Natwest Step account complete with SOLO card. Alright, I know the SOLO card isn't the best but it's better than no card at all. I have used it online, at the garage and supermarkets etc. without any problems.
Who knows, one day I may get a grown up card but until then I'm happy enough. Also, got offered a Cooperative account but didn't take it up so at least if there's hope for me there must be hope for everybody!

misspoppy

Hi


I would apply to the co-op as their basic account gives you a visa electron card. They have great customer service and online banking.

hayley_jayne

Firstly congrats at getting debt free! That is an amazing achievement. As for your bank if yours doesn't want the business I'd just go elsewhere. I wouldn't have thought you would have a problem now. Classworthy's Natwest Step Account sounds like an option, good luck

mummum2

Also congrats from me, great achievement. Agree if they don't want your service go elsewhere! Good luck and a happy DF life.

Tigger1983

Congrats on the debt free status!! OH and I both have bad credit history, and smile (co-op) online have given us an account with a debit card...its a visa one so not the best but still a debit card :-)

doodledo_2

Congratulations for being debt free.

I would try somewhere else we moved from Nationwide years ago as they weren't very flexible with these sorts of things.

I remember once years ago they wouldn't even let me pay a cheque in to my OH account even though it was made payable to him, apparently they could only accept deposits from him :eek: