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ulster bank student credit card

  • 31-10-2010 11:55pm
    #1
    filmbuffboy
    Closed Accounts Posts: 894 ✭✭✭


    So I opened an Ulster Bank student current account this week, and while there the lady mentioned several times that student credit cards and overdrafts were available to all 3rd level students. I politely declined, saying I'd like to think it over.

    In light of the current economic climate we are in, how easy is it to get a STUDENT credit card? esp considering I have never had any form of credit except an overdraft with Halifax a few years ago and loans from the credit union. If I knew it'd be possible for me to obtain one I'd go ahead and apply, it'd be good for emergencies and beginning a credit history.

    The thing that always puzzled me is you have to have a credit history to get a credit card. So how do you get a credit card for the first time if you dont have a credit history?


Comments

  • #2
    unclebill98
    Registered Users, Registered Users 2 Posts: 3,816 ✭✭✭unclebill98


    As with all regulated products it will be Credit Scored. This does not mean you have to have a credit history. If you've none then you'll get assessed on your current ability to repay.

    Lastly, student credit card limits are low enough, with the basic starting at 450 euro.


  • #3
    filmbuffboy
    Closed Accounts Posts: 894 ✭✭✭filmbuffboy


    Thanks for the reply,

    When I was working full time in the same job for years, earning 2K a month I was unsuccessful in obtaining a standard credit card from my old bank....and I had the ability to repay then!?

    So it made me wonder if its easier to obtain a student credit card?

    Damn, I'd even fork out the amount my limit would be and have it frozen as security until the bank were happy that I posessed the ability to repay every month.


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