hi carey

yea i was young and at the age of 18, you think wow!! i can get a credit card and a contract phone and an overdraft and a store card!! and then your out of ya depth, i found myself just running away from my debts. then i started working for a bank, which has made my realise, i need to sort my debts out..

i have a halifax easycash account with a visa electron card, but i have recently claimed back my bank charges and they haven't been the same with me since.

i have been looking at other forums EG. moneysavingsexpert.com there is a forum on there that talks about the yorkshire bank offering an account called readycash, which offers a Maestro card, although they do carry out a credit check they DO not credit score, a few ppl from the above forum have explianed how they got the account opening on the same day and then receiving the card within a week.

please can you give my your thoughts..

thanks for your help

ian