Credit Cards v Debit Cards

[shazzabell]

How come my bank will not allow me a debit card yet I own a credit card and have a good credit history?

[Mrs_Pegasus]

There can be many reasons why you have been refused a debit card. Many banks have their own scoring system and although they use the services of companies such as Experian and Equifax they will have their own internal points system.

I would initially speak with the bank. If you arent satisfied with their answer then contacting the 2 companies I have mentioned and request your credit report. You may find you are associated with someone elses credit history.

[gammaray]

always over drawn? erratic deposit history? you name it!

[ginja1]

Get to the natwest!! Tell them you do not have any other bank accounts and you will get a bank account without overdraft (which is good really) and a solo debit card!! Good luck.