Could I get a debit card with a bad credit history?

Question

I have a basic account, so can't pay my bills online or via phone and it gets on my nerves.

Answer 1

yes, because debit cards are like checks, they come out of the money that is already in your account.

Answer 2

A debit card has nothing to do with credit. You use the card to pay for things with the money that you have in your account. If you don't have enough money it wont go through unlike check when you can write out a check even if you don't have any money. Of course that is a crime punishable by law. The real problem you may have is not being able to open up a bank account if you have really bad credit. Some banks will require a credit check to become a member of their banking institution. You should be able to pay your bills online if you have established a checking account. Call your bank! Good Luck!

Answer 3

A debit card is NOT a credit card. You can get a debit card provided you have a checking or savings account. It comes directly out of your account. If the money is in there, it will go through. It neither hurts nor helps your credit rating. It is handy to pay bills online and faster than checks. Also, when you bank online some banks don't show you what checks you wrote, but when you do a transaction electronically (via debit card) the merchant is always listed.

Answer 4

I'm confident that you must find every financial clarification at: loanfocus.info-

RE Could I get a debit card with a bad credit history?

I have a basic account, so can't pay my bills online or via phone and it gets on my nerves.

Answer 5

Abbey or Halifax do a basic savings account with a debit card - Visa Electron. Doesnt matter if yu have bad credit - you can open an account because these dont give you a cheque book or card. You can pay bills via card or direct debit. Other than that - American Express have launched a pre-pay debit card which works like a phone top up card.

Answer 6

A debit card has nothing to do with your credit rating. If you have a checking or savings account with money in it you can get a debit card. It's like using cash. If you use the card the money comes out of your account right away. If you have no money in the account it will reject.

Answer 7

I would change your bank. Most offer free Bill Pay with basic accounts.

And yes...you can get a debit card with bad credit because it's based on your bank account...not a credit account.

Answer 8

In the U.S.
You can. However, It varies from bank to bank.

Most banks only check telechek or checksystem for a bad checks. Other banks will do it for the checkcard and the remainder will do it for both the checking and and the checkcard.

If you have basic checking account you can use ach to pay your bills online if the biller supports that type of payment. You choose ach. You enter your routing number and your account number and sometimes the check number. Posting time varies from 2 to 5 days.

Some banks limit how many ach payment you can do a month.

Answer 9

depends how bad your credit rating is. I know someone who has a bad credit rating and is still paying off debts from a previous marriage. Although now re-married they are only allowed a basic account and don't have a debit card.

Go and ask the bank. worth a try, nothing to lose.

Answer 10

Yes a debit card is NOT credit. They are secured funds already in your checking account. You can use the debit card like a credit card up to the limit of what you have in your checking account.

Answer 11

i do no longer see why a financial employer could deny you a debit card as you're spending out of your individual money.this is the comparable concept as a money card yet, because it oftentimes has a visa or credit card emblem on it, provides extra ideas, like procuring issues on line. credit card is yet another count number as this is the financial employer's money you're spending so I doubt that they had supply you one. ideas you, they prolonged credit to many human beings in financial strife, this is only at the instant they have stopped doing that as a results of international financial meltdown led to by way of such irresponsibility.