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Why won't bank let me have a debit card?

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124

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  • kaznei
    kaznei Posts: 11 Forumite
    Can anyone recommend a bank that WILL give me a debit card with adverse credit (I wish they would make a human decision based on facts now rather than the computer scoring which is from long ago!)
  • inmypocketnottheirs
    inmypocketnottheirs Posts: 4,745 Forumite
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    kaznei wrote:
    Can anyone recommend a bank that WILL give me a debit card with adverse credit (I wish they would make a human decision based on facts now rather than the computer scoring which is from long ago!)

    Highly unlikely as any bank employee is scared of their own shadow and unable to take any initiative in overriding a credit scoring system that is based on historical gossip mongering. I have the same problem, despite assets exceeding my liabilities by a factor of 25!

    Good luck, if you get any success let me know!
    Don't lie, thieve, cheat or steal. The Government do not like the competition.
     The Lord Giveth and the Government Taketh Away.
     I'm sorry, I don't apologise. That's just the way I am. Homer (Simpson)
  • kaznei
    kaznei Posts: 11 Forumite
    I have found an institution that has a 90% success rate in getting you a debit card - it costs £49 for them to find you an account with all the facilities you want (refundable in the event of a refusal) so that's worth it for me.
  • frepol
    frepol Posts: 202 Forumite
    kaznei wrote:
    I have found an institution that has a 90% success rate in getting you a debit card - it costs £49 for them to find you an account with all the facilities you want (refundable in the event of a refusal) so that's worth it for me.

    I'll tell you for free - they'll tell you to go to the Co-Op for the Cashminder account, or Natwest for the STEP account. These guys have no influence whatsoever over the actual decision process.

    Abbey will also upgrade basic accounts after 6 months of perfect behaviour.
  • kaznei
    kaznei Posts: 11 Forumite
    Do Abbey not check the credit scoring after six months then?
  • Mark7799
    Mark7799 Posts: 4,806 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    If you've run an account fed by regular salary credits and no unauthorised overdrafts for a period of six months, it can do wonders for your credit score with that organisation!
    Gwlad heb iaith, gwlad heb galon
  • CIMA_LOVER
    CIMA_LOVER Posts: 162 Forumite
    Mark7799 wrote:
    If you've run an account fed by regular salary credits and no unauthorised overdrafts for a period of six months, it can do wonders for your credit score with that organisation!

    Which Organisations are you referring to?

    I have held my account with HSBC since 2000, with a solo debit card, but now I want to upgrade it to a Switch/Maestro card.

    I there is regulars moneys going in the account over £1000 a month (not salary). I have also recently been granted a £400 overdraft and a £1800 HSBC credit card since Oct 2005.I have a cheque book, and the account has been in good conduct for over a year, and is used daily!

    Do I have a chance for a upgrade? Experiences and thoughts welcome.
  • Mark7799
    Mark7799 Posts: 4,806 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    The only way to find out is ask.
    Gwlad heb iaith, gwlad heb galon
  • Experian_company_representative
    Experian_company_representative Posts: 2,134 Organisation Representative
    Part of the Furniture Combo Breaker
    RichyRich - you need addresses over the past six years when you apply for your credit report because that's how long the agencies' records go back. You also need to provide your date of birth. JJ
    “Official Company Representative
    I am an official company representative of Experian. MSE has given permission for me to post in response to queries about the company, so that I can help solve issues. You can see my name on the companies with permission to post list. I am not allowed to tout for business at all. If you believe I am please report it to forumteam@moneysavingexpert.com This does NOT imply any form of approval of my company or its products by MSE"

    Posts by James Jones, Neil Stone, Stuart Storey & Joe Standen
  • Paul_Varjak
    Paul_Varjak Posts: 4,627 Forumite
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    Whenever I see such posts on this site it always seems to be problems with Nationwide!

    Does anyone know why?
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