October 26th, 2010 
admin 
P. Zulueta asked:
If you have a less-than-perfect credit history, nothing can be more nerve-wracking than going through a credit check in the hopes of getting approved for a debit card. Although debit cards are usually offered for free along with your checking account, there is still a ChexSystems check required in order to get approved – and if you don’t pass this check, you won’t get your debit card! So what’s a person to do in order to get the debit card without having to go through the process of yet another credit check?
Here’s your answer: Look for debit cards that don’t require any credit checks whatsoever!
Is there such a card? Yes, there are banks out there that don’t require a credit check in order to get you that plastic. For example, some banks will only require an ID check in order to approve you for a debit card. Simply provide your social security number and physical street address and watch how fast that debit card ends up in your hands!
Additionally, if you’re a student with no credit history whatsoever, you can still get a debit card without going through a credit check. Many banks offer bank accounts, debit cards and other services that cater specifically to the student population – and all you’ll need is to fill out a simple application! However, with these accounts, it’s important to read the fine print, as you may be slapped with higher-than-normal fees due to your student status.
If you’re unable to find a local branch that offers a debit card without a credit check, then perhaps a prepaid debit card is your best bet. These convenient cards are easy to obtain and require no credit history or employment verification whatsoever – and more importantly, they’re more secure than ordinary debit or credit cards when it comes to online shopping. Best of all, you can link your checking account to the card so that you can reload the balance with no hassle!
However, if you’ve been denied a checking account due to your credit history, it can be next-to-impossible to obtain a debit card. If this scenario sounds all too familiar to you, then don’t despair: you can still get a bank account without having to submit your credit for approval.
Your credit situation should not hold you back from the convenience of having a debit card for your financial use. Definitely, consider a prepaid debit card for your online purchases, shopping, and travel needs.
Victoria
If you have a less-than-perfect credit history, nothing can be more nerve-wracking than going through a credit check in the hopes of getting approved for a debit card. Although debit cards are usually offered for free along with your checking account, there is still a ChexSystems check required in order to get approved – and if you don’t pass this check, you won’t get your debit card! So what’s a person to do in order to get the debit card without having to go through the process of yet another credit check?
Here’s your answer: Look for debit cards that don’t require any credit checks whatsoever!
Is there such a card? Yes, there are banks out there that don’t require a credit check in order to get you that plastic. For example, some banks will only require an ID check in order to approve you for a debit card. Simply provide your social security number and physical street address and watch how fast that debit card ends up in your hands!
Additionally, if you’re a student with no credit history whatsoever, you can still get a debit card without going through a credit check. Many banks offer bank accounts, debit cards and other services that cater specifically to the student population – and all you’ll need is to fill out a simple application! However, with these accounts, it’s important to read the fine print, as you may be slapped with higher-than-normal fees due to your student status.
If you’re unable to find a local branch that offers a debit card without a credit check, then perhaps a prepaid debit card is your best bet. These convenient cards are easy to obtain and require no credit history or employment verification whatsoever – and more importantly, they’re more secure than ordinary debit or credit cards when it comes to online shopping. Best of all, you can link your checking account to the card so that you can reload the balance with no hassle!
However, if you’ve been denied a checking account due to your credit history, it can be next-to-impossible to obtain a debit card. If this scenario sounds all too familiar to you, then don’t despair: you can still get a bank account without having to submit your credit for approval.
Your credit situation should not hold you back from the convenience of having a debit card for your financial use. Definitely, consider a prepaid debit card for your online purchases, shopping, and travel needs.
Victoria
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Thank you all for your very very helpful answers.
