Found 4th Jan 2008
ive seen how its best to use your credit card for items over £100 (due to being covered if it all went [email protected] up)

but i was wondering can u buy debit card insurance which does the same sort of thing

as the only insurance i can find will cover me for fraud (ie someone else uses my card) but nothing to protect me against items not turning due to scam websites etc

any ideas ???

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any ideas ???



Get a free credit card:?

You will only get equal liability from a credit card company on purchases between £100 - £30k. You need only use the card for the deposit; any amount as long as it is put on the CC.

Original Poster

you say get a free credit card but its not free is it what about interest etc
+ i use my debit card a lot more as its linked to my bank (where my money is so wonder if i could pay for any sort of protection insurance)

If you pay the full amount on a credit card off at the end of each statement mouth there should be no interest fees, also some cards offer welcome gifts or cashback on purchases etc.

Original Poster

thanks for the help i may look into a credit but @ 24 ive managed to go with out one up untill now lol i really wanted to just find out if this card protection i see sold would cover what i needed

You will need to look for a bank that offers a VISA Debit card and not just a normal Debit card. It provides the same level of protection as a CC because VISA is covered under Section 75 of the Consumer Credit Act. :thumbsup:

Original Poster

thanks do u by chance no a bank who offers the card

Lloyds TSB offer a Visa debit card ( i have one myself) .
But i wasn't aware you get the same level of protection as a Visa credit card.

You don't.

thesaint;1415463

Get a free credit card:?


Dub1;1416179

you say get a free credit card but its not free is it


The credit card itself is free because most card companies don't charge you to provide you with one or have an annual administration fee e.g. AMEX if you don't spend a certain limit each year. This is the same for free banking in the UK, as in you don't get charged for the transactions you make (if you operate within the conditions of your account which are eligible for free banking), whereas for the same transaction that you make which are considered free in the UK are not so in other countries as they can charge you for banking transaction, therefore it's not free.

Dub1;1416179

what about interest etc

We are talking about the card itself and not the transactions that you make using your card! If you get a cc with 0% interest for xx amount of months then technically there are no interest charges to worry about. :thumbsup:

Dub1;1417739

thanks do u by chance no a bank who offers the card


Halifax and Nationwide are some others. Just slightly off topic if you go on holiday abroad, I would try and get a Nationwide one because they don't charge you any commission fees for using your card when you're abroad, unlike most of the others. :roll:
simes;1418130

But i wasn't aware you get the same level of protection as a Visa credit … But i wasn't aware you get the same level of protection as a Visa credit card.


thesaint;1418232

You don't.



Just to clarify, I mean that you get the same level of protection (as a cc) for things that you buy on your debit card and it doesn't arrive. ]Does your debit card protect you?] :whistling:
The fraud protection are an added extra which some companies offer for free for credit card holder, e.g. capital one

Original Poster

thanks hukdhunter & everyone else cheers

Original Poster

sorry to be a big pain again but the cover offered on a credit card does anyone no if that covers those pre-pay credit cards
i will think about applying for a credit card but there is a lot against me (not on electorial roll / home rented etc)

Dub1;1421513

sorry to be a big pain again but the cover offered on a credit card does … sorry to be a big pain again but the cover offered on a credit card does anyone no if that covers those pre-pay credit cards i will think about applying for a credit card but there is a lot against me (not on electorial roll / home rented etc)



By law you should be on the electoral roll.

A Visa debit card being toted is a red herring, non deliverance is not something that many people will make any use of.

A pre-pay cedit card still does not offer you the same protection.

You need to get yourself on the electoral roll, not renting your own home will not bar you from obtaining one.

Original Poster

By law you should be on the electoral roll. (should of re-phrashed that i wasnt on the electorial roll till 2 weeks ago un-till i had a knock @ my door and signed up there and then but up untill that point (so 24 years i have no trackable history etc)

if you rent etc and were not on the electoral role until a couple of weeks ago it will not be showing on official records yet anyway. You will almost certainly not be accepted for a nationwide card, I would try something like capital one's classic card as it says its good for strengthening your credit rating.

Dont waste your time on any of the really good promotions as it will register a credit search and you won't be accepted.

also you don't need to be on the voters roll, but its best to be for credit and also if you want to vote

my bank told me that if you purchase online with a debit card your not covered .
If you use a credit card your covered.
Even that wont make me get a credit card! pleh evil things! LOL

Original Poster

pcnutta thank god i aint the only one lol

pcnutta;1422106

my bank told me that if you purchase online with a debit card your not … my bank told me that if you purchase online with a debit card your not covered .If you use a credit card your covered.



The bank is half right/half wrong (is the glass half full or half empty effect ;-) ). As I said before if you have a VISA debit card to purchase goods/services online, telephone, mail order etc... and you don't receive them, then you are protected under the same way as credit cards are. The evidence is stated in the information where I previously provided the link to. Here is a short quote:

]For visa debit cards (including electron and delta), which Mr Morrisey … ]For visa debit cards (including electron and delta), which Mr Morrisey held, the user is covered under the cards 'goods not received' provision.

and

]However, if Mr Morrisey had used a Mastercard (Maestro/Switch) debit … ]However, if Mr Morrisey had used a Mastercard (Maestro/Switch) debit card he would not have been covered for this.

Click on the quote for the full story. :thumbsup:

Barclays do an additions plus account, ok so it costs £14.99 a month, but has loads of benefits to it, and i think that may have somthing for protection on purchases,
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