Boris Posted January 15, 2004 Report Share Posted January 15, 2004 Do the same as Boris, just go one step futher and use my interest free overdraft to pay for the credit card and save my money to earn more interest. It's nice being paid simply for spending money :)Poor student ! :D Quote Link to comment Share on other sites More sharing options...
Sir Radfordin Posted January 16, 2004 Report Share Posted January 16, 2004 Do the same as Boris, just go one step futher and use my interest free overdraft to pay for the credit card and save my money to earn more interest. It's nice being paid simply for spending money :)Poor student ! :D Yer I know, am at a loss where to spend all the money :whistling: Quote Link to comment Share on other sites More sharing options...
antidote Posted January 16, 2004 Author Report Share Posted January 16, 2004 well i've been today an they said i might not be able to have one because i dont work then she gave me a new home for your benefits pack but i've already choosen to have my benefits to be payed into my post office account can't i just open an normal bank account put money in there then apply for a debit card for my bank account Quote Link to comment Share on other sites More sharing options...
Sir Radfordin Posted January 16, 2004 Report Share Posted January 16, 2004 Who is your post office account with (and don't say the post office!!!!)I opened one years ago and its an Alliance and Lecister one and with that I've got a Visa Electron card.Do you have any form of card with your PO account? If so does it have VISA on it anywhere?Which bank did you go to? Quote Link to comment Share on other sites More sharing options...
antidote Posted January 16, 2004 Author Report Share Posted January 16, 2004 its with the post office lol! my money from now on goes straight into my local post office i dont have to cash my social book from now on the money goes straight into my post office account i go to post office every 2 weeks with my card swipe it an they give me the money the card cant be used for anything else just for my post office card account i went to TSB-Lloyds Quote Link to comment Share on other sites More sharing options...
Sir Radfordin Posted January 16, 2004 Report Share Posted January 16, 2004 In that case, you options seem a bit limited. I think you can get your 'money' paid into your bank account and not the post office. This may be enough to convince the bank to give you an account. I wouldn't normally give such advice as I think people should support their local post office (or they will loose them). Unfortunatly banks don't tend to be too keen on people who don't earn money as they see them as a risk.Think only a bank can now tell you what it is you can do to get a debit card from them. Quote Link to comment Share on other sites More sharing options...
antidote Posted January 16, 2004 Author Report Share Posted January 16, 2004 i have no intentions of getting my money paid into a bank account i want it to stay the way it is,i can't see why they shouldn't give me one all i want is to open a bank account when i get paid put 20 to 30 pounds in it every pay day so that i can pay my new isp it isnt like im asking for credit the money has to be in the account for them to take it out i don't see the problem Quote Link to comment Share on other sites More sharing options...
Sir Radfordin Posted January 16, 2004 Report Share Posted January 16, 2004 Unfortunatly the bank will not see you as a customer that can 'make money for them' and so they don't see the benefit for them in giving you an account.This is something those (for whatever reason) have long struggled against.Only a bank will be able to take this any futher now. I fully understand your frustration but banks aren't here for the good of the people, they are there to make money for shareholders. Quote Link to comment Share on other sites More sharing options...
bvw Posted January 16, 2004 Report Share Posted January 16, 2004 http://www.financesearch.co.uk/search/0/uk...the_unemployed/Just a Google search......you may be able to apply on-line. Quote Link to comment Share on other sites More sharing options...
antidote Posted January 16, 2004 Author Report Share Posted January 16, 2004 how come student's can get them my girlfriend has one she's 18 an only just started workin she's been at college since she left school Quote Link to comment Share on other sites More sharing options...
bvw Posted January 16, 2004 Report Share Posted January 16, 2004 Are you 18 antidote? You have to be 18yrs old to have a credit card. Quote Link to comment Share on other sites More sharing options...
antidote Posted January 16, 2004 Author Report Share Posted January 16, 2004 no i'm 24 i dont want a credit card i want a direct debit card Quote Link to comment Share on other sites More sharing options...
Sir Radfordin Posted January 16, 2004 Report Share Posted January 16, 2004 Students get them because the banks hope we run up large debts that we can't pay off and then they will make a fortune out of us. There is also evidence to suggest that once you are with a bank few people change so 'we' will go to them for everything else.It was unclear from your conversation if Lloyds had refused to give you an account. They may be more than happy to do so, why not go back and see if you can just open an account.Life isn't fair :( Quote Link to comment Share on other sites More sharing options...
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