alliance and leicester were good to me, they have given me a visa, years ago when i was young and stupid lloyds tsb threw money and cheque books and a visa electron at me which all spiraled out of control and for years i had a simple cash card for machines only which is very limiting but now hsbc have given me a card and alliance and leicester love me as i have an overdraft which i do use but i normally carry a credit balanc and reularly pay money in they also gave me a visa as i can only pay out what i have?! good luck