AIB Student Credit Card

the whole year inn

I was wondering how long does it take for the credit card take to come to you. I am waiting 2 weeks tommorw for it and I want to get some cheap stuff off the net with it:).SO anybody know how long they take to come??
gob_smacked

alex122

I got mine within a couple of days....

2 weeks seems a long time.. you should probably give them a call and see what's happening

daveirl

This post has been deleted.

seamus

Moved....the college heads prolly know more about this...:)

Ivan

It took me a good few weeks like nearly a month and I rang up and complained twice saying I had not received it and that it must be gone missing or something. They say fine, we'll send you out another one, then all of a sudden two arrive at the same time... so I'd just sit tight and be patient, it will eventually arrive. Just remember you still have to pay the cash off afterwards...as I'm finding out the hard way

Ivan

eth0_

Originally posted by daveirl
What are the criteria to get one? Do you have to have a fixed income or a parental guarantee or what?

Look on the bank website it will say the criteria there, you have to be over 18 and have a good banking history (not gone into the red on your account although there's no facility to do that if you're under 18), the thing is the credit limit on student cards are only about €300!

alex122

Originally posted by eth0_
the thing is the credit limit on student cards are only about €300!

The Credit Limit with an AIB Student Mastercard is €400

Stephen

Yeah I have an AIB student mastercard too. Took under a week to arrive. The PIN arrived a day or two later.

chernobyl

Personally i would go for a standard card.
I had a Student CC when i was in secondary school and used it a lot but my charge limit never increased and when you move onto a "proper" card, you limit is at the base again.


Maybe this has changed?

Kev

I have an AIB student cc too, the limit of €400 doesnt bother me much as i transfer money into the account using online banking. The only problem is that apparantly there is a limit of €600 on a single transaction which i only found out about when i tried to pay my college fees online, even though i had put over €2,500 into the cc account.

myhandle

Is the mastercard festooned with camp images of "students" as in the brochure / or / is it the usual classic design?

- On a related (and really unimportant) note:

I recently noticed among my cohort how all of our new banklink cards are suffixed with "SP", presumably identifying the "S"tudent "P"lus product.

There was no mention of this when opening the account, Its damn annoying.

Stephen

Yeah, the AIB student mastercard is covered with pictures of utter gimps.

the whole year inn

sweetness!!!
got the cc bout a week ago and was well pleased but it is maxed out allready lol lucky I do have the cash to pay for it

zAbbo

Originally posted by chernobyl
Personally i would go for a standard card.
I had a Student CC when i was in secondary school and used it a lot but my charge limit never increased and when you move onto a "proper" card, you limit is at the base again.


Maybe this has changed?

And how exactly can yoy get a standard CC on part time wages while at college numbnuts.

I just signed up for the student cc, should be due in a week or so methinks.

I set up the Direct Debit to be 100%, any of you do any different?

myhandle

You just signed up... You don't know if you will be approved its not a certainty!

It is easy to get a "real" cc on a student or even nil wages, the trick is to have a parental guarantee.

myhandle

After it expires (its only valid for a year) does another automatically arrive or what? Is it festooned with camp images also? Is it only valid for a year again?

BuffyBot

Credit cards are normally renewed automatically..unless you have been bad. You should get your replacement 2-3 weeks before the end of the month listed as the expiry

leeroybrown

If you have a "Student Bank Account" they probably won't even think of touching you for a Credit Card.

I got my first (and proper) CC after finishing College and was given an €3000 limit. I'd previously had a full Current Account and a good credit rating.

alex122

Originally posted by leeroybrown
If you have a "Student Bank Account" they probably won't even think of touching you for a Credit Card.

I got my first (and proper) CC after finishing College and was given an €3000 limit. I'd previously had a full Current Account and a good credit rating.

Times sure have changed...

AIB gave me one.. no questions asked.
On the form it even asks for your weekly income and I said I didn't have one and she said that was fine and just to leave it out.

From what I hear BOI are the same.
You just need to be over 18 and they'll only give u a credit limit of €400.. but it'll do!

Repli

Do you get charged the €40/year for a student cCC ?

carrotcake

unfortunately, yes

Woden

yeah you get charge the €40 quid just like a normal cc, i got a boi card a while ago, looks like a normal mastercard limit is €350 which i though fair enough but then someone informed me you could put credit onto it which was grand, used it to pay for flights and expensive stuff etc. i don't think it has that €600 transaction limit that someone mentioned, its set up 100% direct debit though i usually transfer the money straight away it was got mainly for online purchases, there was not problems getting it and recently the bank was very helpful as i wanted to transfer €500 onto it more or less immediately and it takes over a day by normal means and they where able to give me a temporary limit increase of €500 on the basis that the money was in transit, meant i don't miss out on some flights and accomdation i think.

carrotcake

should have my renewed aib card coming thru the door soon. minus the gobsheens, hopefully

BuffyBot

Originally posted by Repli
Do you get charged the €40/year for a student cCC ?

AFAIK all cards, including student ones, get it.

alex122

Originally posted by Repli
Do you get charged the €40/year for a student cCC ?

Unfortunately the answer is Yes...same as any cc

carrotcake

...emmm...

Woden

the good news is it gets taken out in april i think as i just paid it

leeroybrown

All pass, laser and credit cards get charged the various Stamp Duties. The banks have covered the previously lower charge cost on a lot os student a/c's in the past but with the increases I doubt they'll cover it.

Repli

Originally posted by alex122
Unfortunately the answer is Yes...same as any cc

Except MBNA.. and up until last year there was no annual fee for student CCs'

daveirl

This post has been deleted.

myhandle

Originally posted by Repli
Do you get charged the €40/year for a student cCC ?

Yes that TAX is charged to all credit card accounts by the Government.

It is bank FEES that students do not have to pay.

Lump

The government takes 10 euro for having a pass card and 40 euro for a credit card....... I had it taken out of my account last month..... I don't understand the thinking behind the 10 euro charge...... Hmmmmm



John

carrotcake

NOOOOOOOOOOOO!!! just got my renewed card and it STILL has these gobsheits in the front!

Woden

ha ha go on the bank of ireland

uberwolf

as for times changing and students being approved for credit cards, i got an unsoliceted letter offering me one from BOI(preapproved) wat does BOI card look like?

seamus

Tis a standard yellow Mastercard. And it's a little fecker, always forcing me to use it to buy cheap stuff online

uberwolf

thats not three bad, talking to a chap today who always ends up buying stuuf off telly late @ night with beer in him!! three thigh masters sitting at home!!!!

myhandle

Originally posted by carrotcake
NOOOOOOOOOOOO!!! just got my renewed card and it STILL has these gobsheits in the front!

The competing BOI card is the sole of discretion!

Hey did the EUR 400 limit increase when you renewed?

carrotcake

nah

Repli

Originally posted by myhandle
Yes that TAX is charged to all credit card accounts by the Government.

It is bank FEES that students do not have to pay.

Well up to last year that TAX wasn't charged to student credit cards.

Woden

twas done this year though, got screwed for it in april IIRC

MINOGUE

yeah €40 euro government tax on all CC but if you get an Ulsterbank CC and spend over €5000 in a year (thats right €5000) Ulster bank will pay de 40 euro.

carrotcake

aib have a new thing on their internet banking site where you can now apply for a credit limit increase. i clicked on it and they'd already approved me for a €300 increase. not bad

flats

where on the website is that, carrotcake???

carrotcake

log in and go look at your credit card statement. there should be a link just above the beginning of the statement

raster

Originally posted by carrotcake
aib have a new thing on their internet banking site where you can now apply for a credit limit increase. i clicked on it and they'd already approved me for a €300 increase. not bad

400 + 300 = 700

and you can try again in another six months

when I tried it first it said it was unavailable at the time, but worked the next day, perhaps a human reviewed, or perhaps it was the weekend

either way 700 is a decent limit

I presume the daily and per transaction cap, previously 400, has increased to 700 also

Tiesto

i got the Bank of ireland credit card.
Very nice actually. No gimps on it. Just a shiny mastercard
Didnt take long to get either. Had hardly any money in the account so they must be giving them out fairly handy.

honeymonster

I wanted to get me one a dems but yea have to have an account with them for 6 months. feckin 3 months left :mad:

nillox

how do i transfer money into the aib student mastercard account over the net?
i cant raise the limit and some of the things i need to buy are over 600E (which is my limit)

Creamy Goodness

do you have it set up online so that you can pay off your credit card online?

if so just pay extra into the account.

if not you'll have to ring 24hour banking to set it up for you.

and wow talk about dragging up a zombie thread.

nillox

oh ya good idea paying extra into the account, thanks i didnt think of that, hope it works