Can I get a credit card?

Metric1 · 31-07-2008, 08:10 PM

When I was 16 I had 4 credit cards! It wasn't a good idea at the time.

Tomm · 01-08-2008, 09:48 AM

Please read my post in reference to barclays.

Originally Posted by Sunny,

I didnt say you need your parents to open a Paypal account. I said you need your parents to open a Barclays Bank account.

And I said "CashCard" not Credit Card. A Cashcard is barclays own card. It has no chip on it or anything, just a 16 Digital Card number, no CVV etc.

Unless you have a Student account which allows you to go overdrawn by around £1,500 and gives you up to 4 months to repay also with no interest and no overdrawn charge.

helenhiya · 01-08-2008, 10:08 AM

Originally Posted by Tomm

Barclays do give you a debit card if you get your parent's permission if you are under 16. I have a Barclays Visa Debit card atm. Also to the post above I can go overdrawn on my bank account.

Thats crap, it's illegal to give someone an overdraft if they're under 18.
It's essentially a loan, which you can't have until you're 18. My bank once screwed up and let me go £1 over but they had to pay it cos I was 17 at the time.

Originally Posted by Metric1

When I was 16 I had 4 credit cards! It wasn't a good idea at the time.

don't believe that either tbh.

Sunny. · 01-08-2008, 10:32 AM

Originally Posted by Tomm

Please read my post in reference to barclays.

I didnt quote your post?
But yeh. I was told that by them on the phone. But I cba now cus il get my new card in 4 months.

Tomm · 01-08-2008, 10:41 AM

If I make a payment on my debit card that is greater than my available balance I will go overdrawn. So no, its not crap.

Originally Posted by helenhiya

Thats crap, it's illegal to give someone an overdraft if they're under 18.
It's essentially a loan, which you can't have until you're 18. My bank once screwed up and let me go £1 over but they had to pay it cos I was 17 at the time.

don't believe that either tbh.