'Rickaaayyyyyyyyyyyyyyy
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Go to Barclays and ask them and find out WHY you can't and WHEN you will be able to. |
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Laydee T
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I have a TERRIBLE credit rating, but I managed to get a current account with lloyds tsb. They gave me a visa debit card, cheque guarentee, all the rest. Halifax refused me and so did another.
I'd try there to be honest if you havent already. T x |
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alatoruk
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the easy answer is shop around. i used to own my own company until the bank took it to the wall and me with it. bankrupts have real problems getting bank accounts. even now the variety is immense. nationwide gave me an account straight away, but no debit card, even after i was i discharged, yet the day after nationwide said no to debit card halifax gave me on with electron card on it.
i would try the building societies. you can now setup paypal to pay direct from a bank or bs account so you pay online using paypal. nationwide will give you a flex account without cards.. |
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NutstersChick
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Go 2 UR nearest Co-Op bank.
Explain & ask 4 their advice.
I choose the Co-Op coz it's the only ethical bank in the UK.
They can also B contacted on line. |
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Mrs Dwkns
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try to go to washington mutual, it is a free checking account and they are great with helping people in your situation |
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Denise W
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Abbey national will give you a basic account 1st then when you prove you handle the account responsibly they will upgrade you. |
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MrsMike
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I've never had a bank do a credit check for opening a checking or savings account. Try a different bank. If you were not just lazy when you were a student and you also bounced a lot of checks or wrote fraudulent checks - then you may never get an account at a bank. But I never heard of not getting an account for bad credit. |
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Topshopcitybeachbabe
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what problems tell me about it |
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halloweenpumpkinuk
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Natwest are very good and you get a debit card too |
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Donna M
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All banks offer a basic account with a debit card like Solo or Electron.
There's no facilities for credit - but you can use the card to pay for things online - and you can set up direct debits etc.
You don't need a good credit rating for one of these accounts - just be able to demonstrate who you are.
I find these accounts useful in addition to my current account. |
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Lisa D
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There's a new card out for buying things online, its called 3v i think? You can top it up in shops like a mobile, its great, you should look it up x |
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Mose
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Co-op bank and Nationwide both have "Basic" accounts that offer no overdraft, credit cards etc. But they do allow standing orders, direct debits and a debit card.
Both accounts are available to people with a poor credit rating. They even open accounts for non-discharged bankrupts and people with IVAs. |
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RunningMan
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your problem may be that you are in "check systems" for a bad check or old bank fees. No other bank will open an accout for you if this is the case,, even if you clear the old debt. It's like a conspiracy or a dirty secret black list they have. Next time you go to a bank, ask them if you are in check systems and for what account. If you are you can open an account with the old bank after you pay your fees. It clears after 7 years,, but, once your up and running with the old bank, about 3 mos, you can open a new account at a bank of your choice, then close your old account.. Ha!. Thats how you do it. they won't tell you either, unless you ask them. A-holes!. |
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monkeyface
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Go & visit the bank manager & explain what you have told us here on this site.
Get him to explain why, when all you want to do is deposit money, they will not allow you to open an account. |
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k
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The Post Office offers a simple bank account - you can have a cash card, standing orders/direct debits and the like.
After a few years try transferring it to a high street bank. |
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dollysdress
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Havent the post office started doing this type of basic bank account? |
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mrdburrows
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You may even have difficulty at Nat West for a Step account as well. Have u got a bank account elsewhere and if not why not? Where is your salary/benefits being paid into? You must have had a bank a/c at some point in your life - what happened to it? These are all questions that the bank will ask. Best thing to do is to order your credit file from equifax and take it with you into nat west and apply for a step acc. |
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tadpoleslider
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I would go back into your past and see where your credit problems are. If you owe money and you are either not paying or paying a high interest it would be wise to address the issue head on. I had some some credit card debt a few years ago from a stressful period and I had to first curb spending and pay back my debt through consolidation. The worst thing that you can do during that kind of transition is to barrow more money. I still have some credit debt but it is used only for emergency times or costly repairs. I was always under control of my debt but it only takes about six months with out a job to put yourself in a suicidal situation. For twenty years I never had more than $3000 credit card debt and that is a good number to keep it below. I guess the average American is somewhere around $8000 in debt on credit cards. It can be a terrible problem. |
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scallywag
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This applies in the UK - you've not specified. But if you are in the UK, I'd suggest opening a basic cash card account for a few months and managing that and leaving enough spare at the end of the month so they can see you managing your account well. Even consider having a savings account with the same back. Once you've done this for a few months, most banks may be willing to offer you the next step up - a debit card. I'd suggest Nationwide. |
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Tina M
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theres alot of banks offering free checking accounts like bank of america and wykovia well those are the 2 i know of and i know theres more so regaurdless of your past im sure you can get at least one of them to give you a checking account than you can have all of your hearts desires off the internet (lol) good luck and the best part or it is that you can do it all over the internet without wasting gas and and than you get approved or declined by mail so |
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me
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natwest does a simple account for people who cant have a current account
they give you only a cash card for it |
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Malachim
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Been there, done that, got the perfect solution :)
NatWest Step account.
You only get a paying in book, but you do get a chip and pin Solo/Maestro debit card.
You also get a little interest on any money you have in.
Naturally you can have wages paid in and direct debits can go out.
It's also valid for a Paypal account.
After 6 month or so, when they are satisfied with how it's running you can apply for a regular branch account with a cheque book - if you want.
Don't take the Gold Advantage (default) account though, it costs £12 a month for the privilege (noting that some people do benefit from this option).
Once you have a standard cheque account, it all likelihood they will trust you with visa type debit card. |
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bhushan_vat
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settle it down. |
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mrsmac_3
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if you have a poor credit history then chances are you won't be able to open an account with a debit card.
Open one that just gives you a card for withdrawing money from the ATM, if you handle your account well then the bank will probably "upgrade" your account in about 6 months.
Need to start somewhere! |
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