Brabus
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Registered: 25th Oct 07
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I have a current Plus account with Natwest, the persuaded me to upgrade to Advantage gold but changed it back after i found out they charge you monthly for it Ive been with them for around 6-7years and have always had a Solo card.
I noticed the Mrs was with them and has a Meastro card, so went in to ask for one and they basically said 'computer says no'
Is this based on your credit history or somthing, i dont have an overdraft and dont want one and my credit history is good as far as im aware.
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Cosmo
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Registered: 29th Mar 01
Location: Im the real one!
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How old are you?
I went a few years back to pay money in using my Solo card (was about 19 I think) and the woman told me that I should have a Meastro card by now as Solo is upto 16 or 18yrs old (or something like that). So she just ordered me a new card and it came through.
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liamC
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Registered: 28th Feb 04
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A Maestro card with Natwest is standard? It is your debit card? I am with them and have that one
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Brabus
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Registered: 25th Oct 07
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Bastids, i am 21
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Simon
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Registered: 24th Apr 03
Location: Oxfordshire
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My Natwest is a Maestro debit but thats a student account
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Shane
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Registered: 10th Jan 04
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im with natwest, i have bad credit and im only allowed a solo card
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Brabus
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Registered: 25th Oct 07
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quote:
Originally posted by Shane
im with natwest, i have bad credit and im only allowed a solo card
So it does go on your credit rating? Mine should be good, although i went overdrawn by 50p or somthing 3months ago, dont know if that will affect it.
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Shane
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Registered: 10th Jan 04
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yes it will you have to have a clean account for atleast 3 months
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Cosmo
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Registered: 29th Mar 01
Location: Im the real one!
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going overdrawn once wont make a difference It'll effect his credit rating one little bit but not by a huge amount at all.
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Shane
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Registered: 10th Jan 04
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yes but in there eyes he still went over drawn, its internal credit they are going on 
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deano87
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Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
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It's the same in Barclays and other banks. They often has VisaConnect, which is like standard Visa, but not with overdraft facility, or the ability to go overdrawn - your card will just decline. Generally used for lower incomes or bad credit rating.
My girlfriend also applied for a bank account in Barclays, nothing fancy. She was declined. But undoubtedly has a bad credit rating due to going overdrawn by direct debits then getting owned by bank charges.
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Brabus
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Registered: 25th Oct 07
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This is bollocks, its not asif i want to take out a loan or an overdraft or borrow any money for that matter, i just want a card that i can use in most shops rather than being told they dont accept solo
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Shane
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Registered: 10th Jan 04
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i dont think ive ever been in a shop that wont take solo 
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Brabus
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Registered: 25th Oct 07
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Tried to buy the mrs a watch from Debenhams and they dont i was like WTF.
[Edited on 16-11-2007 by Brabus]
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deano87
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Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
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Cash is better when going on spending sprees anyway. You can keep tabs on what you've spent, and you aren't like to get conned by someone cloning your card.
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LeeM
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Registered: 26th Sep 05
Location: Liverpool
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ive got a terrible credit history, lost my bank card and the new one i got was a maestro with a £250 overdraft
thats with hsbc
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Brabus
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Registered: 25th Oct 07
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quote:
Originally posted by deano87
Cash is better when going on spending sprees anyway. You can keep tabs on what you've spent, and you aren't like to get conned by someone cloning your card.
still have to use the cashpoint to get the money out though unless you want to que up for ages, plus its not safe carrying lots of cash around imo.
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Cosmo
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Registered: 29th Mar 01
Location: Im the real one!
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I had a Maestro for years without any overdraft facility - so in that case is no different to a Solo. Its only in the last 6 months that Natwest contacted me and offered me the overdraft.
I would agree that the credit rating would come into account if it also meant you were automatically given an overdraft with a Maestro card, but your not.
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Kurt
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Registered: 23rd Oct 05
Location: Hi
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ive had a solo card for the last 5-6 years and ive just upgraded to advantage gold with an 100 pound overdraft and a chequebook, going to change my phone insurance over aswell as its cheaper than what i pay currently,
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Brabus
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Registered: 25th Oct 07
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Dont you automatically get phone insurance with advantage gold, or is that holiday insurance im thinking about.
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Brabus
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Registered: 25th Oct 07
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quote:
Originally posted by Cosmo
I had a Maestro for years without any overdraft facility - so in that case is no different to a Solo. Its only in the last 6 months that Natwest contacted me and offered me the overdraft.
I would agree that the credit rating would come into account if it also meant you were automatically given an overdraft with a Maestro card, but your not.
I agree i dont see why credit rating should come into it at all, its like going from one of them kids cards where you can only withdraw £20 a day to a solo, they dont say 'no you cant do that your credit rating isnt good enough' when your 16
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deano87
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Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
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That's because the idea of a Solo is that you don't need a credit rating/good credit rating.
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Brabus
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Registered: 25th Oct 07
User status: Offline
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quote:
Originally posted by deano87
That's because the idea of a Solo is that you don't need a credit rating/good credit rating.
Why is this different for a Meastro?
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PaulW
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Registered: 26th Jan 03
Location: Atherton, Greater Manchester
User status: Offline
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HSBC won't let me have a Maestro card on my account no more as there computer SCREAMS no... and I'm 26...
So on that note, I got a Maestro card elsewhere, aswell as 2 Mastercards...
Go figure
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PaulW
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Registered: 26th Jan 03
Location: Atherton, Greater Manchester
User status: Offline
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quote:
Originally posted by Brabus
quote:
Originally posted by deano87
That's because the idea of a Solo is that you don't need a credit rating/good credit rating.
Why is this different for a Meastro?
Solo cards are pure debit card, they link directly to the account so wont let you go over in any way.
Switch/Maestro are different as they like a halfway house between a debit and a credit card, and any transaction £10 or below is guarenteed by the Maestro. I racked up £800 ON TOP of my overdraught limit because of the £10 guarentee thing a few years back, hence the bank not letting me have another.
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