bank cards

[Alkaz]

Its definately 16 to have a debit card but 18 for credit cards.
Go to your bank and set one up, you will get it in about a week.

[efq]

you have to be 13 years old to have a debit card, i had one at 14.

[lAscend]

With the nationwide you have to 18 to have a debit card so i gave up and opened another account with the halifax lol

[kurtis5561]

Nah you cant, you should be able to get a debit card though :S I've got one fgs, ask nationwide to see if they can upgrade your account cuz thats silly.

Nationwide are a wierd beast, They only issue the cashcard and then full visa debit and you can't get Visa Debit until your 18 (Unless you get a Visa Electron card branded as a Visa Debit)

Quick guide to cards.
Visa Debit with cheque gaurrentee - Full acceptance where you see the Visa symbol Issued to over 18s only
Visa Electron - Only where you see the Electron symbol, Some online retailers will process them as a Visa card, Issued to people from the age of 13/14
Solo - Full acceptance where you see the Solo symbol or with Natwest cards, the Maestro symbol, Acceptance on the net is limited Issued from the age of 11
Maestro with cheque guarrentee, Full acceptance on Most sites, and in nearly all shops, Issued at around the age of 18
Link or bank cash cards, If it displays link on the card you can use your card free of any card issuer charges, Although you are subject to any ATM owner fees, These cannot be used abroad, If it doesn't display link you can only use it in the issuers machine

If you use your card abroad, your card will either use the cirrus or visa/plus networks depending on the agreements your bank has.

If you need a card for the internet, www.mycashplus.co.uk offers a prepaid one for £9.95 issue fee.

Credit cards are issued at the age of 18 as per full visa debit (Rules set by visa) but Visa electron/Solo are issued from 11 upwards

Remember: Debit card issuance such as Visa Debit and Maestro are subject to status and/or application! they are not guarrenteed!

[efq]

HSBC is 13 anyways.

[kurtis5561]

HSBC is 13 anyways.

Its upto the individual issuing institution, Lloyds TSB offer them from the age of 11 aswell

[Nick.]

I've had a HSBC account with a Solo card since I was 13, I'm always buying stuff on Amazon and stuff.

[Tim.]

I think it's 14 for debit cards? Might be 15 though but you can definately get one and buy stuff off the net

Its actually 13 for a debit card. possibly 11 although i think that might be a bit young, I definately had mine by the age of 13

[Carlitos]

Its definately 16 to have a debit card but 18 for credit cards.
Go to your bank and set one up, you will get it in about a week.

It's definately 16 is it? Why reply when you obviously know nothing about debit cards. :rolleyes:

Edited by Alkaz (Forum Moderator): Please do not be rude.

[kurtis5561]

It's definately 16 is it? Why reply when you obviously know nothing about debit cards. :rolleyes:

I've got a banking degree from uni so any questions fire away and ill try and answer