Card One Banking

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Card One Banking is a guaranteed banking facility that is open to anyone*, irrespective of your current situation or past credit history. There are no credit checks!

Card One Banking can help you manage your money so you can keep track of your payments or standing orders. Even if you can’t pay an item, Card One Banking won’t charge you a bounced payment fee, but will let you know in good time. Card One Banking ensure all your bills are paid on time and give you a Prepaid MasterCard so you can keep control of your day to day spending.

After all of your bills are taken care of, the remaining balance from your wages can be moved to your Prepaid MasterCard card. This process can be automated once the account is setup, using your online account management centre to create “rules”. These rules tell the system what percentage of your wages should be placed in your bills account or on your Prepaid MasterCard card as spends. You will be able to manage these rules yourself to match your requirements. We will help you with this when you call to activate the account. The Prepaid MasterCard card works in a similar way to a Pay As You Go mobile phone top-up card, but has the convenience and functionality of a debit card.

Online Banking

An online banking facility also makes monitoring your account easier. You can view balances, check transaction history and print statements 24 hours a day, 7 days a week.

Automated Telephone Banking
New automated telephone banking service allows you to check you balance, load your card and activate your new cards automatically and within seconds. You can also speak to a customer account manager in our customer contact centre for account information and for answers to any queries you may have.

Mobile Banking
You are able to access your account on the move using our Mobile Banking service, checking your balance and loading funds to your MasterCard by simply sending a text message (SMS).

Jeff — May 22, 2012

Application Process
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Functions and Features
Customer Service
Reliability

In the UK, you can’t apply for any credit wituoht having a credit check or credit score completed. People will not lend you money wituoht completing some sort of checks to ensure that you are capable of paying the money back.For instance, if a stranger came upto you in the street, gave you a random name and address and asked to borrow a3100 from you, you would not give them the money! If there was some sort of checks you could complete so you knew that they were who they said they were, knew that they lived at that address and had a previous history of paying people back, you would be more willing to lend them the money and there would be a higher chance of you getting this money back.Obviously the above is only an example, and you, yourself, would never lend money to a random person in the street. In effect though, this is what banks/finance companies are doing to their customers which is why the checks have to be completed.Hope this helps you to understand a little bit more why they are completed!

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