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Student Bank Accounts

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    #32
    ronano
    Registered Users Posts: 3,145 ✭✭✭ronano


    With the excpetion of the added student incentives (credit etc) would it not make more sense to set up a laser card with an overdraft so as to avoid various late charges and such that will occur due to use students being idiots ( ok well me being an idiot)


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    #33
    uberwolf
    Registered Users Posts: 7,580 ✭✭✭uberwolf


    AFAIK the banks will charge you teh credit card tax (€40) because they have to. the certainly charged me this year


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    #34
    Bah
    Closed Accounts Posts: 395 ✭✭Bah


    ronano wrote:
    With the excpetion of the added student incentives (credit etc) would it not make more sense to set up a laser card with an overdraft so as to avoid various late charges and such that will occur due to use students being idiots ( ok well me being an idiot)

    Well you could do that with the bank of Ireland I suppose... only downsides are that it's a laser card (a lot of places don't accept them, including online stores, plus you've still gotta pay government duty on it).


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    #35
    Imposter
    Registered Users Posts: 4,666 ✭✭✭Imposter


    ronano wrote:
    With the excpetion of the added student incentives (credit etc) would it not make more sense to set up a laser card with an overdraft so as to avoid various late charges and such that will occur due to use students being idiots ( ok well me being an idiot)
    Banks don't (or at least up to about 2 years ago, the didn't) allow students have laser cards. Apparently they are not real time and may be abused by students. Interestingly they've no problem with giving you a Credit Card. This goes for AIB and BOI at least.


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    #36
    ronano
    Registered Users Posts: 3,145 ✭✭✭ronano


    debt here i come!


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    #37
    fletch
    Registered Users Posts: 7,405 ✭✭✭fletch


    Imposter wrote:
    Banks don't (or at least up to about 2 years ago, the didn't) allow students have laser cards. Apparently they are not real time and may be abused by students. Interestingly they've no problem with giving you a Credit Card. This goes for AIB and BOI at least.
    I had this argument with the bank last week, they seem happy enough to let students get into debt and why wouldnt they, think of all the interest they'll earn as a result of student overspending and maxing out their credit cards.


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