Got my cc

[Jord]

Its a pay as you go one :)


It said it might take 2 days untill the money goes onto my account when ever I top it up

does that happen?

[Ashhizzle]

whats a cc

[cocaine]

credit card? idk

[brandon]

whats a cc
Hmm, CC, to do with money withdrawal. Nope just can't think of it.. na I know it's confusing cause of the top up thing :S

[Bren]

credit card

[PaulMacC]

Dont really need a credit card, just use my dads and give him the money innit, National Insurance forms arrived and I sent them away so I should have it back in 2 weeks and then I'll be able to get a job.

[Captain]

Not really a credit card if you have to top it up. Why not just use a debit card :S

[Jord]

whats a cc

Credit card


Hmm, CC, to do with money withdrawal. Nope just can't think of it.. na I know it's confusing cause of the top up thing :S


Its a pay as you go one,

Not connected to a bank so I top up when I wanna use it like credit on a phone

[dirrty]

a pay as you go credit card?

never knew they existed lol.

[Jord]

a pay as you go credit card?

never knew they existed lol.

Yup


Not really a credit card if you have to top it up. Why not just use a debit card :S


Debit cards take £2 per use apparently and If my xbox or anything gets hacked they can empty out my bank account

[iJoe]

Is it a splash plastic maestro one?

[brandon]

Yup




Debit cards take £2 per use apparently and If my xbox or anything gets hacked they can empty out my bank account
Dunno where you heard that from ^ :S

[Virgin Mary]

I know what it is but I don't get it, it's a debit card. The whole concept of a credit card is that you're spending money you don't have.

[Jord]

Is it a splash plastic maestro one?

I dunno what you mean but its a virgin one


Dunno where you heard that from ^ :S

Jake


I know what it is but I don't get it, it's a debit card. The whole concept of a credit card is that you're spending money you don't have.


Its for under 18's so they dont spend over there limit aka what they put on the card,

[dirrty]

you can only get a credit card if your over 18 though i'm sure :S

[iJoe]

http://www.splashplastic.com/ thats what I meant

edit: You have http://uk.virginmoney.com/virgin/prepaid-card/ I'm assuming

works in the same way as splash plastic

[Jord]

you can only get a credit card if your over 18 though i'm sure :S

This pay as you go credit card is for under 18's No bank accounts linked so you can spend over the limit you put on your card


http://www.splashplastic.com/ thats what I meant

edit: You have http://uk.virginmoney.com/virgin/prepaid-card/ I'm assuming


works in the same way as splash plastic

yup thats the same

[Virgin Mary]

http://www.splashplastic.com/ thats what I meant

edit: You have http://uk.virginmoney.com/virgin/prepaid-card/ I'm assuming

works in the same way as splash plastic
http://www.mycashplus.co.uk/
yeah lol i was looking at this site and it's like "it's like a credit card except you top it up so you don't run into debt"... a fancy name for a debit card then

[Ashhizzle]

Yup




Debit cards take £2 per use apparently and If my xbox or anything gets hacked they can empty out my bank account
my debit card dont cost £2 per use?

lolll

[Lµke]

A credit card has a set limit of 'credit' IE £1000 and you pay it off. Its basically money you are borrowing, and have to be 18 to have one.


All of the cards stated that you 'top-up' are just debit cards without the bank account features attached to them and are easier to set-up.

[Stephen!]

It's says "use it like a credit card"

So it's not actually a credit card.

[Jord]

Well jake lied then

[Captain]

well erm, grats on getting a plaggy debit card.

[Jord]

Thanks and what is a "Plaggy"

[Captain]

local dialect.

[blanky12!]

well done I have 4 bank cards, as credit cards get you into trouble.

4 banks - split my wages up

£900 a month 25 each is about 200 in each bank each month

[Jord]

well done I have 4 bank cards, as credit cards get you into trouble.

4 banks - split my wages up

£900 a month 25 each is about 200 in each bank each month


Haha atleast you can get what you want :P

[Barmi]

To confirm: no, it is not a credit card. It's not a debit card either. It's simply a pre-paid card which can be used wherever MasterCard is accepted (subject to restrictions). I have a Splash Plastic (Maestro) one and a PayPal (Visa pre-pay) but I don't use them any more... I use either my debit card (Maestro) or credit card (MasterCard) instead.


Thanks and what is a "Plaggy"
Back home I would assume 'plaggy' means 'plastic'.


well done I have 4 bank cards, as credit cards get you into trouble.

Absolute rubbish. You get yourself into trouble; the credit cards don't do it. If you are irresponsible with your money, don't go blaming it on a credit card. I've got a credit card for two reasons: it is useful for online transactions and it builds up my credit rating.

[Jord]

Card do get you in trouble

they allow you to go over your limit and go into debt

[tdi]

lol it's not a credit card.. with a credit card it allows you to get money on 'credit' ie money which you don't have thus to be paid back.. plus, you have to be 18.

also i don't see the point in it really? it's basically just a debit card.. but some fobby rip off of one? why don't you just get a debit card which works on the same principle but you get it through a bank rather than some lesser heard of company? also i don't see the point really, use proper money.. really annoys me when people spend like a few quid on a card, i couldn't justify a purchase under £20 with a card payment unless I had no cash.

[Barmi]

Card do get you in trouble

they allow you to go over your limit and go into debt
Banks in general allow you to go in debt. Does that mean banks get you in trouble? Cause ≠ consequence. Just because something gives you that flexibility, it doesn't mean it's inherently bad.

If you cannot manage your finances and abuse a credit card, then of course you will perceive it as bad. But if you control your purchases and only use your credit card now and then to add to your credit rating – knowing fine well you have money in your bank account to pay off your credit card bills instantly – there is little to worry about.


lol it's not a credit card.. with a credit card it allows you to get money on 'credit' ie money which you don't have thus to be paid back.. plus, you have to be 18.

also i don't see the point in it really? it's basically just a debit card.. but some fobby rip off of one? why don't you just get a debit card which works on the same principle but you get it through a bank rather than some lesser heard of company? also i don't see the point really, use proper money.. really annoys me when people spend like a few quid on a card, i couldn't justify a purchase under £20 with a card payment unless I had no cash.
The point is that they are ideal for people who are incapable at managing their money. You can only spend whatever you have put on the card, so you can set yourself a strict allowance. Should something bad happen, you are not going to lose all the money in your bank account; only that which is topped up.

[Kyle!]

You can't have a credit card if your under 18, you have a debit card.

[Naruto!]

Well jake lied then
Sign up to mycashplus, it will say for online use it takes £2, I didn't lie thx

[Stephen!]

Sign up to mycashplus, it will say for online use it takes £2, I didn't lie thx

Well that's not a debit card either.

[Naruto!]

Didn't say it was, I said it was a Gold Card.

[tdi]

Yup




Debit cards take £2 per use apparently and If my xbox or anything gets hacked they can empty out my bank account


Didn't say it was, I said it was a Gold Card.
dfdfddf

[lisar]

Absolute rubbish. You get yourself into trouble; the credit cards don't do it. If you are irresponsible with your money, don't go blaming it on a credit card. I've got a credit card for two reasons: it is useful for online transactions and it builds up my credit rating.


Card do get you in trouble

they allow you to go over your limit and go into debt

Calum's just wrote a reasonable explanation, the card it's self doesn't allow you to go over. Once you get to your limit, it stops. You only happen to go over when something you buy is a couple of pounds over.

I've got a Visa credit card from CapitalOne, Solo debit card from Natwest and a cash card from RBS. The ONLY one i've ever seemed to mess up is my natwest account which happened to go overdrawn twice.

You're the one who messes up, not the card. The card doesn't buy the expensive stuff. :)