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Sabre · #31 (**permalink**) 06-17-2003, 08:43 PM

Thanks, I'll look into it - since I don't think there's much chance of me getting a credit card at the moment (or any time soon) - and I don't want to use my parents' one.

Yshania · #32 (**permalink**) 06-18-2003, 07:49 AM

@Sabre, debit cards are not normally issued under a certain age (as with credit cards). A debit card debits your current account (or cheque account) and is often a cheque guarantee card too. If you are referring to a withdrawal card for a card savings account it is unlikely to work, since it will need to carry a cirrus or a visa symbol. Basically if you can use this card to purchase goods over the counter in a store, it should work on Gamebanshee. If this card is only issued to you as a cash withdrawal card from a bank machine, it is unlikely. Did all of that make sense?

Nippy · #33 (**permalink**) 06-18-2003, 08:02 AM

Quote:

Originally posted by Yshania
@Sabre, debit cards are not normally issued under a certain age (as with credit cards). A debit card debits your current account (or cheque account) and is often a cheque guarantee card too. If you are referring to a withdrawal card for a card savings account it is unlikely to work, since it will need to carry a cirrus or a visa symbol. Basically if you can use this card to purchase goods over the counter in a store, it should work on Gamebanshee. If this card is only issued to you as a cash withdrawal card from a bank machine, it is unlikely. Did all of that make sense?

To me anyway.

@ Sabre, if you can go into a shop and swipe the card through the till, it should work.

C Elegans · #34 (**permalink**) 06-18-2003, 01:17 PM

@Sabre: It's is certainly worth looking into the possibility to get a debit card - it might differ from country to country but I have had a Visa debit card since I was 16...all I needed was a bank account...The same card I use in cash machines was used, just with a Visa symbol on.

I don't know about Australia, but in Sweden it is 1000 times easier to get a debit card than a credit card, often the banks make special offers of debit card+other service-packages to students because you cannot get a credit card if you do not have a full time employment, unless you are very rich of course.

Yshania · #35 (**permalink**) 06-18-2003, 04:27 PM

Thanks Nippy!

@CE, re the debit card, in the UK you have to be 18, since it still considered as an advance of credit (as in a credit card) since a debit card can usually also guarantee a cheque, without the promise of funds in the account, and therefore the individual can effectively spend money they don't actually have

There is a difference here between a "cash card" that can debit your account via a withdrawal from a machine in the wall (but will only allow funds if they are available and cannot be used over the counter to procure goods) or a "debit card" which can behave pretty much like a credit card and can also be used over the counter. In short, if you go into a shop and purchase goods you can use a credit or a debit card (but not a cash card) and a debit card can be refused if there are no funds in the account. Where it behaves like a credit card is when it is used to guarantee a cheque.

I guess this is the same as in Sweden? But in the UK, since a "debit card" can be considered to advance credit it is illegal to issue one to someone under 18 (the age limit here). Also, over here, a debit card is only ever issued on a current account (a cheque account) and there are qualifications - usually - to opening a current account, one being that wages/salary of a minimum amount are regularly paid into this account.

C Elegans · #36 (**permalink**) 06-18-2003, 06:03 PM

@Ysh: sound like there are some national differences here, my guess is that Australia would be closer to the UK rather than Sweden though...here there are 3 types of cards that I know of:

1. Cash cards that you have to load with cash, just as you "load" your mobile phone if you have a cash card for that (is it called scratch card?) rather than an account. A cash card can be used to withdraw money from a cash point in the wall, but it can only be used as payment over counter if that particular shop takes cash cards, with not everybody does.

2. Debit-cards, and there are 2 types: one type is not connected to a bank account such as Food store chains' or Petrol station's cards. They other type is called "Bank card" and that's what I thought were equivalent to a debit card, ie you can use it just as a credit card for payment over counter och internet payments, but the money is withdrawn from your bank account immediately, ie you cannot buy for more than you have on the bank account the card is connected to (because it has to be connected to a bank account), so you do not receive a bill at the end of the month but is charged instantly. I don't think you can use them to guarantee a cheque here, that might be why there is not the same age limits etc as for credit cards.

3. Credit cards: you get a credit, how large depends on you income for some card companies and on you spending for other card companies. You get a bill by the end of the month or so...

Yshania · #37 (**permalink**) 06-18-2003, 06:52 PM

@CE, near enough

Here, a cash card is not "loaded" with cash, but is merely a withdrawal card to draw money out of a bank account that you have paid money into (whether it be a cheque account, or a savings account). With a savings account, it is literally a deposit and withdrawal, you don't issue cheques from it, you don't have to make a regular payment into it (as with a cheque account) but you usually do have to have a minimum balance. A cash card can draw upto this balance, but the amount that is allowed to be withdrawn each day from a cashpoint is usually limited by the bank irregardless of account balance (though higher amounts canbe withdrawn by bankers cheque, over the bank counter) A cash card cannot be used to make purchases.

A debit card here is connected with a bank account. If it is store related (ie for fuel or goods) it is a store card, and therefore a credit card. Your description of a bank card is what our debit card is

and here carry the visa or cirrus logo, and also mostly guarantee cheques (upto a discretional limit)

Re credit cards, I agree

Nippy · #38 (**permalink**) 06-19-2003, 06:27 AM

Quote:

Originally posted by Yshania
Thanks Nippy!

@CE, re the debit card, in the UK you have to be 18, since it still considered as an advance of credit (as in a credit card) since a debit card can usually also guarantee a cheque, without the promise of funds in the account, and therefore the individual can effectively spend money they don't actually have

There is a difference here between a "cash card" that can debit your account via a withdrawal from a machine in the wall (but will only allow funds if they are available and cannot be used over the counter to procure goods) or a "debit card" which can behave pretty much like a credit card and can also be used over the counter. In short, if you go into a shop and purchase goods you can use a credit or a debit card (but not a cash card) and a debit card can be refused if there are no funds in the account. Where it behaves like a credit card is when it is used to guarantee a cheque.

I guess this is the same as in Sweden? But in the UK, since a "debit card" can be considered to advance credit it is illegal to issue one to someone under 18 (the age limit here). Also, over here, a debit card is only ever issued on a current account (a cheque account) and there are qualifications - usually - to opening a current account, one being that wages/salary of a minimum amount are regularly paid into this account.

Sorry Ysh, I got my Visa Electron card before I was 18, I think you're right though, ordinary Visa's can only be given to 18 and over.

(Of a credit or debit card.)

Yshania · #39 (**permalink**) 06-19-2003, 07:33 AM

Ah, so that is what an Electron card is? Not a brand? I know that quite a few places won't accept them. Do you find you have trouble? Can you trade that in for a normal Visa debit card when you turn 18?

Nippy · #40 (**permalink**) 06-19-2003, 02:16 PM

Quote:

Originally posted by Yshania
Ah, so that is what an Electron card is? Not a brand? I know that quite a few places won't accept them. Do you find you have trouble? Can you trade that in for a normal Visa debit card when you turn 18?

Yep, an Electron is, I suppose, a younger brand of Visa. I think its for when you want to expend less - it limits the amout you can debit.

I do get problems, a few online shops don't accept them, but Amazon do, and I buy a lot from there, so no real hassle. I normally use cash - I like to know what I have in hand.

I'm not too sure if you can trade.

I haven't yet, I think you have to prove a steady income...

Sabre · #41 (**permalink**) 06-20-2003, 09:42 PM

Well, I can use my card for purchases in stores - the money is taken straight out of my saving account - although I need to enter my PIN everytime I do. So I don't think it will work over the Internet - since the company using it wouldn't know my PIN.

Thanks everyone for the inputs.

Nippy · #42 (**permalink**) 06-22-2003, 04:48 AM

Quote:

Originally posted by Sabre
Well, I can use my card for purchases in stores - the money is taken straight out of my saving account - although I need to enter my PIN everytime I do. So I don't think it will work over the Internet - since the company using it wouldn't know my PIN.

Thanks everyone for the inputs.

The only thing I can suggest is that you just try it and see what happens, if the worst comes to the worst, you won't be able to use it, the best, you can.