::::VISA ELECTRON CARD::::

Advantages: You don't need to carry cash!
Disadvantages: Many places don't accept it!

...I was reading my guestbook when I noticed a note from lilkayb telling me to get writing, so here goes: ::::VISA ELECTRON CARD:::: I have had an account at Lloyds TSB since I was about eleven years old, this was then known as a Young Savers Account, When you get to 16, it changes to a Current Account. All I had to go with the account was a paying in book and a cashpoint card. When I was fifteen I damaged my Cashpoint card and requested a new one, a few days later I recieved a letter from the bank containing my new card, only it wasn't the card I'd wanted. They had sent me a cheque guarantee card, only problem was I didn't have a cheque book! I rang later that day to tell them what i'd requested and what i'd recieved, the lady on the phone was very helpful and assured that my cashpoint card would be through the post very shortly...

JADELOUISESILVA 24.07.2003 · Read review
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Review of VISA Electron

Indian visas - Don't Panic!

Advantages: Fast, effective, not bad value
Disadvantages: must be done online, more expensive than before, no same day service

...NOTE - this advice applies only for UK nationals applying for tourist visas. For non-nationals or other types of visas (business, student etc) there may be some differences. However, I hope that most people will find this of some use. --------------------------------------------- --------------------------------- My husband is a very calm man. With the exception of IKEA flat pack furniture and the annihilation of 'old labour', there's not a lot that makes him lose his cool, so I was taken aback when I raised the topic of getting visas for our forthcoming holiday to India and he practically exploded. Don't mention the words 'Indian' and 'Visa' around him or you'd better make sure you have a comfy seat and a cup of tea because the tirade that follows may take some time. So why's he so worked up about the topic? Approximately 2...

koshkha 02.09.2008 · Read review
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Review of VFS Online Indian Visa Service

Visa Electron: I want one even here!

Advantages: is accepted worldwide, spend what you have, no fee at Ryanair and Easyjet
Disadvantages: some internet and normal stores don't accept it

...Since I have joined this community, I was taken aback from how many of you people don't like Visa Electron. I do agree that they have limitations, but they DO have good traits. I'm Italian and have moved to England a few years ago. It's useless to let you know what difficulties I had when I first arrived, but something that really helped me out was my Italian "postepay" card, a pre-paid credit card issued by the Italian post office. You can charge it with up to ?3000 euros and works pretty well on the Internet and in the shops. Visa Electron prepaid credit cards were introduced in Italy in November 2003, by the Post Office. I signed up for mine in December 2003 and it has only recently (December 2007) sadly expired. I won't renew it, but only because now I have better accounts. One of my accounts, though, has a Visa Electron card...

Kagomesama 24.09.2004 (12.02.2008) · Read review
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Review of VISA Electron

Vanquis Bank and Credit Card

Advantages: Gives credit to those who wouldn't otherwise get it.
Disadvantages: Very high interest, terrible customer service.

...A couple of months ago we made the mistake of getting a credit card "for emergencies", it was meant to be...but as always happens, it was used when it wasn't necessary (mainly by my husband!!!!). Vanquis Bank are a company who offers credit to people with a bad credit history (i.e. CCJs, missed payments etc and just no credit history). Anybody who has ever tried to get credit for the first time will know its sometimes very difficult, if you have never had any kind of credit given to you, companies won't take you on, as they don't know if your a risk or not...and so Vanquis offer a "credit score boosting card"...basically they give a credit card with £300 limit on it to people who have never before had a credit card and probably don't know how to use them correctly. (Before you start...I'm not calling everyone with no credit history...

stephbond89 14.06.2009 · Read review
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Review of Vanquis Credit Card

Monument really tried my patience

Advantages: 0% interest until March,2005
Disadvantages: Interest Rates could be high thereafter depending on card type

...THE FACTS: Monument Visa Card offer 5 different rates of card. All have 0% interest rates on purchases or balance transfers until 1st. March, 2005. The main differences are the interest rates thereafter. PLATINUM: 16.9%APR PREMIUM A: 16.9%APR PREMIUM B: 26.9% APR PREMIUM C: 26.8%APR PREMIUM D: 31.99%APR The minimum payment is 3% of the balance or £10 whichever is the greater, except for the platinum card which is 2% of the balance or £5. Monument offer all the usual credit card features: Cash Advances, Cheques (if requested), Ready Response Automated Account Information and a Payment Break Plan. The Payment Break Plan is optional. You will qualify to enrol in this plan if you are a U.K. resident who is either employed, self-employed, retired or permanently disabled. Monument appear to like...

feather13 02.09.2004 (05.09.2004) · Read review
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Review of Monument Visa Credit Card

Visa Electron

Advantages: One of the only debit cards available to under 18s
Disadvantages: Not accepted everywhere

...There are only two debit cards that I know of which are available to under 18's, one being Visa Electron and the other being Solo. I decided when I was 17 that I wanted a debit card, as they are so much easier than carrying cash around with me - and much safer too. My bank account at the time was with Lloyds TSB, but they could not offer me any type of debit card because of my age. After finding out that Halifax would be able to give me an account with a Visa Electron card I quickly accepted and opened a new account with them. My card arrived, and I hit the shops! It was so easy to be able to walk around town with my Visa Electron in my wallet and just a small sum of cash for the places which don't take it. I felt safer, knowing that if my purse was stolen I didn't have any cash in there to lose, and that my debit card could...

gem412 20.01.2006 · Read review
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Review of VISA Electron

.:: Visa Electron ::.

Advantages: Use abroad and in UK, accepted in most retail outlets
Disadvantages: Not many online retailers accept

...Yep, now at the age of 11 you can claim your own debit card from both Natwest (Solo) and Barclays (Visa Electron). As usual with most banks you get a cash point card, but it is not to useful if you want to use it abroad. So, eventually I got myself an Electron one, and found it extremely handy. Virtually every shop in Europe will accept Electron and most high street shops too. This is because of major card merchant services like Barclaycard and Streamline enable this. But here is where the disappointment comes in. Electron is fine for those who prefer high-street shopping instead of using the Internet, but for the internet, electron is lousy. I could say this about solo - online shops such as Tesco and Sainsbury does will not accept this card, but they will do so in stores. This is no doubt taken as a precaution against under...

tnet9202 16.07.2005 · Read review
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Review of VISA Electron

We'll call you back

Advantages: Accept people with poor credit rates, card accepted in lots of places
Disadvantages: Hugh credit limit increases, poor customer service

...I first chose Monument as a credit card supplier as my husband had bad debt and as we are "financially linked" this rubbed off on my score too, and Monument were the cheapest that I could find to accept me. I started off with about a £500.00 limit, and within a year this had been raised to £3,000.00 - no questions, no "do you want a limit increase?", no "can you afford a limit increase?" (Beware - don't spend just because you have the limit!!) Unfortunately soon after the limit was increased our washing machine, and cooker both broke down and were un-repairable with three kids both are essentials in our house, and we ended up buying both on the card. I have been a Monument customer for in excess of two years now, and having spoken to another card company requesting, successfully, that they reduce my interest rate on the card I...

claireydeacon 12.04.2006 · Read review
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Review of Monument Visa Credit Card

Citibank visa

Advantages: Can help to repair bad or poor credit History
Disadvantages: can incur high fees if you fail to send payment on time

...I guess all of us go through rough times, mine was when I was having my second baby and was on maternity leave. My husband had injured his back and could not work. We had taken out a loan a few years earlier and until that point had never had any problems with repayments. One thing led to another and now we had a bad credit history. At the time we didn't bother to try and obtain credit elsewhere as we decided that if we wanted something we would save up and buy it. We didn't want to get ourselves further into debt. The years passed and our finances were finally managable again. Thats when we decided it was time to get new bedroom furniture for the boys room, we had two sons now and a daughter and although their bedrooms did already have nice furniture it was old. We found what we wanted but we were refused credit when...

denbains 10.02.2004 · Read review
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Review of Citibank Visa

Power Off... The Visa Electron

Advantages: Increased Online Security, Will Eventually Replace The Visa, Excellent And Fast Customer Service, Usually A Good Account Package (From My Experience With Barclays And The Abbey National)
Disadvantages: 7.5 million outlets in the UK accept the card. 11.8 million do not, and most smaller shops havent even heard of it. Online usage is still very difficult as most sites still dont accept it.

...The Falcon writes... Whilst the Visa Electron, the new 'Electronic Use Only' card from Visa, seems like a fantastic idea since it offers increased security for internet transactions, and a long needed update to the Visa system, and a host of other things your 'Personal Banker' will speil off at you, the card has one quite major flaw. Unlike its father the Visa, which has become the global electronic currency, the fledgling Electron is not accepted in very many places at all. In fact, apart from your large chain stores like Woolworths and Tesco, it's hardly accepted anywhere at all. And on the internet, which, as the name suggests, is the main area your card is meant to be used, it is hardly accepted anywhere! I do alot of internet surfing and consequently alot of shopping too, at the major sites like amazon...

the_midnight_falcon 14.04.2001 · Read review
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Review of VISA Electron