natwest solo limits and info

[jstw]

Hi there i am 14 and i have applyed for a natwest card plus, i have just a few questions.

1. What is the maximum i can spend on 1 purchase like in comet or dixons?

2. Will people like the person behind the till and other custemers look at me funny when i try to buy groceries in tesco and hand over a debit card?

3. Also will i get a chip and pin card?

Also any other details you have will be helpful.

Regards,
Jonathan W

[stevie21]

1. as much as you have in your account In my case, that'd be �11.52
2. no, why would they?
3. I'd expect so - most if not all UK debit cards issued now are chip and pin.

Not really much else to tell. Swipe your card, cunningly type PIN into handset making sure that the countless thieves around you don't see your number & the money disappears faster than you can earn it. Welcome to grown ups world :(

[Gevs1966]

When you start the account the bank should ask you to set a daily spending limit on your card that suits your needs. It is part of their responsibility to the bankers code or something. I think with a solo card it is usually about �250 unless you specify otherwise.

[Hammer]

For question 2, everyone does this all the time so don't worry about it.

Your parents / grandparents probably still moan about it because it used to take ages in the old days of manually filling in slips and signing them, but these days it's quicker than counting out the cash.

Not only that, but if you need to spend �6 and withdraw �10 in cash instead of using your card, it's amazing how quickly the other �4 disappears on 'essential purchases' !!

[Sammy Snake]

In answer to gevs1966, the daily limit only relates to cash machine / ATM withdrawals. 

There is no limit on solo payments made by swiping your card in a shop, provided you have the funds to cover it.  If you had �5000 available, you could spend the whole lot in 10 minutes if you wanted.

[stevie21]

I don't know if it's common but if banks wanted to impose a limit on the amount spent on a solo card they could, more so on a Solo card where every purchase should go through the authorisation process. I know that some banks limit the number of transactions per day to about 10 before they become quite strict about what they authorise. Anything more than that arouses suspicion of fraud.
Again, it may be that no-one actually implements it but it'd be very easy for banks to offer this monetary limit on card purchases as a "feature".
This is taking the conversation off at a bit of a tangent but I think the question(s) originally set has been answered.