Quidity card?

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21-04-2009, 10:46 PM
ToxicPaddy

Quidity card?

Hi
In the mirror today, I saw thing thing about something called a 'Quidity card'. Its like a credit/debit card, but you top it up at shops with PayPoint and only spend what's topped up (e.g. no overdraft etc). You can use it in shops, online etc and it sounds good, but is it worth it for the fees you pay? You have to pay for transactions and ATM withdrawals. List of fees linked below:

http://quiditycard.com/mirror/pre_pay_card_fees.html

So do you think its worth it? And if you have one, are they good?
21-04-2009, 10:58 PM
Nixt

Just go to the bank and get cash point / debit card?! Lol.
22-04-2009, 07:06 AM
Bun

lol at them fees, just use a debit card?
22-04-2009, 08:51 AM
PaulMacC

I think Jord has one.
22-04-2009, 01:41 PM
Sammeth.

Yeah with a debit card you can't get an overdraft, so just get one of those :P Much easier.
22-04-2009, 01:44 PM
Chaos

Quote:

Originally Posted by Sammeth.

Yeah with a debit card you can't get an overdraft, so just get one of those :P Much easier.

Yes you can.

When i made my account they said i had no overdraft.
I went to buy something thinking i had more money in my account and went into negative funds.
22-04-2009, 01:50 PM
Sammeth.

Quote:

Originally Posted by Chaos

Yes you can.

When i made my account they said i had no overdraft.
I went to buy something thinking i had more money in my account and went into negative funds.

Maybe its different for different banks, but with mine you can't :D
22-04-2009, 01:57 PM
Nixt

Quote:

Originally Posted by Chaos

Yes you can.

When i made my account they said i had no overdraft.
I went to buy something thinking i had more money in my account and went into negative funds.

Probably an unplanned overdraft.
22-04-2009, 03:49 PM
jimi

I'm decidding on getting one of these but I dont get the fees

say if I wanted to buy something that is 20 GBP and the fee is 3%
that means 20.00 - 3% = 0.6%

so I only get 19.40 GBp topped up?
23-04-2009, 12:33 PM
leah

Why don't you just use money :S
23-04-2009, 02:07 PM
ToxicPaddy

Quote:

Originally Posted by Leaahh.

Why don't you just use money :S

cause i want to be able to use it online, and i'm probably just going to get a debit card.
23-04-2009, 09:21 PM
Caution

Quote:

Originally Posted by jimi

I'm decidding on getting one of these but I dont get the fees

say if I wanted to buy something that is 20 GBP and the fee is 3%
that means 20.00 - 3% = 0.6%

so I only get 19.40 GBp topped up?

No the 60p would be taken off as well as the £20. Don't really see the point in it tbh, a debit card's free.
23-04-2009, 09:25 PM
Jord

I got one
:p

Its a pay as you go card, Its so you dont get into debt when your young

I topped up £120 In a shop and it took £5 Fee, So thats good

EDIT: All these people saying "Get a debit card, Use your bank" Etc

ITS SO YOU DO NOT GET INTO DEBT WITH YOUR BANK AND YOU DONT OVER SPEND BEFOR YOUR 18
23-04-2009, 09:37 PM
Caution

Quote:

Originally Posted by Jord

I got one
:p

Its a pay as you go card, Its so you dont get into debt when your young

I topped up £120 In a shop and it took £5 Fee, So thats good

EDIT: All these people saying "Get a debit card, Use your bank" Etc

ITS SO YOU DO NOT GET INTO DEBT WITH YOUR BANK AND YOU DONT OVER SPEND BEFOR YOUR 18

most banks don't let you though. mines doesn't anyway. even if you do go into negative funds you wont exactly end up owing the bank hundreds.
23-04-2009, 09:41 PM
Chaos

Quote:

Originally Posted by Caution

most banks don't let you though. mines doesn't anyway. even if you do go into negative funds you wont exactly end up owing the bank hundreds.

I was negative funds by 6£ an i got charged 15£ a day
23-04-2009, 10:20 PM
Sammeth.

Quote:

Originally Posted by Chaos

I was negative funds by 6£ an i got charged 15£ a day

Should go with another bank :P
23-04-2009, 10:37 PM
VelvetClover

Quote:

Originally Posted by Jord

I got one
:p

Its a pay as you go card, Its so you dont get into debt when your young

I topped up £120 In a shop and it took £5 Fee, So thats good

EDIT: All these people saying "Get a debit card, Use your bank" Etc

ITS SO YOU DO NOT GET INTO DEBT WITH YOUR BANK AND YOU DONT OVER SPEND BEFOR YOUR 18

Why don't you just not spend what you can't afford and therefore won't get into debt and won't need a card that charges you money for not getting yourself into debt?
25-04-2009, 09:48 AM
Recursion

Quote:

Originally Posted by Chaos

I was negative funds by 6£ an i got charged 15£ a day

You should have rung up about that if your under 18.