Credit Card No Credit Check
Q: I recently paid off my two credit cards and cancelled both of them, as due to my regular DVD buying my balance was never coming down and i was being shafted on the amount of interest i was paying. I expected that after doing this my bank, who were the credit card issuers, would give me a debit card with no hassle. I have been told that due to my occassional late paymnets ( hey, i had a lot of DVDs to buy that month ) to my credit card that i am not eligible for a debit card!! They give me ??1000s of pounds credit, but won't give me a debit card!!!! I have no means of buying my DVDs online!!!!!! Can someone reccomend a UK high street bank that won't do a credit check and that give you a debit card as standard? I have been told previously of a few banks, but i can't remember exactly who they were. I think the Woolwich was one of them. Help me get some DVDs soon.
A: You should be able to get a solo debit card as you cannot go overdrawn with one of these. Not sure who does them but I'm sure someone else will. HSBC definitely do one - i used to have one before i turned 18 (i.e. before you cann legally get credit) Solo cards get accepted by a lot of online people as well. I had a similar problem, Halifax only do a limited search I got an account no problem, has taken me ages to repair my credit score mind!! .
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