my mate has open an account next to lloyds tsb and he is 16 and he says that he have got the straight visa debit card not credit card. However i am 16 and am beside halifax and hsbc, they only provide the visa electron and solo, is it true as a 16 year old you can procure the original visa card not the electron beside an 16 year old information with lloyds tsb.
Answers: If you don't believe him, ask him to show it to you, if he does you enjoy your answer, if he takes misdeed at not being believed & breaks your cheek, you also have an answer!!
Its hugely unlikely you will be able to achieve a credit card until your in a undertaking and earning lb15000 per year, the credit card companies will afterwards allow you to borrow money by spending on the credit card, as long as you pay it rear. If you dont, you pay interest (about lb20 to lb30 per lb100 you owe.)
A debit card is different, its basicly a card which links you to the article with adjectives your money in it, so when you spend money, you embezzle money from your bank information straight away. There is nothing to "retribution back" like beside credit cards, and as long as you dont go over your overdraft, you can spend as you want minus waiting for a monthly bill to pay sour.
You can use your debit card in any place they bear credit cards. Its the same system, and surrounded by addition, you can also annul money at a cash point, most credit cards as far as I know don t tolerate you do this, or charge you alot to do it. You can also write cheques with your debit card, you cant do this beside a credit card-oh, mistake, you can, but you will be charged the amount of the cheque, then 26% ontop.
Fact is, unless you receive paid monthly and rely on n spening money as you work, theres no justification to have a credit card, they are in recent times a way of borrowing money so when you payment cheque comes in, it pays sour the credit card completely.
Stick with the debit card. It will support you to keep from getting into debt from using credit. You will single be spending money that you have. You will revise better financial responsibility. I have have debit cards for years. If I want to buy something online which needs a credit card, I can still newly use my debit card as credit and they don't even know it!
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Answers: If you don't believe him, ask him to show it to you, if he does you enjoy your answer, if he takes misdeed at not being believed & breaks your cheek, you also have an answer!!
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Its hugely unlikely you will be able to achieve a credit card until your in a undertaking and earning lb15000 per year, the credit card companies will afterwards allow you to borrow money by spending on the credit card, as long as you pay it rear. If you dont, you pay interest (about lb20 to lb30 per lb100 you owe.)
A debit card is different, its basicly a card which links you to the article with adjectives your money in it, so when you spend money, you embezzle money from your bank information straight away. There is nothing to "retribution back" like beside credit cards, and as long as you dont go over your overdraft, you can spend as you want minus waiting for a monthly bill to pay sour.
You can use your debit card in any place they bear credit cards. Its the same system, and surrounded by addition, you can also annul money at a cash point, most credit cards as far as I know don t tolerate you do this, or charge you alot to do it. You can also write cheques with your debit card, you cant do this beside a credit card-oh, mistake, you can, but you will be charged the amount of the cheque, then 26% ontop.
Fact is, unless you receive paid monthly and rely on n spening money as you work, theres no justification to have a credit card, they are in recent times a way of borrowing money so when you payment cheque comes in, it pays sour the credit card completely.
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Stick with the debit card. It will support you to keep from getting into debt from using credit. You will single be spending money that you have. You will revise better financial responsibility. I have have debit cards for years. If I want to buy something online which needs a credit card, I can still newly use my debit card as credit and they don't even know it!
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