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It's best to use a basic bank account as a last resort, because they have fewer benefits than regular current accounts. You will be given a cash machine card for ATMs and you may also have a debit card with which to make purchases. But basic bank accounts do not allow overdrafts and there may also be a monthly fee to keep it open. You will also not earn interest on your balance.
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3. Budget very carefully
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Basic bank accounts are very safe for providers to [url=http://www.getconversational.com]hollister france[/url] offer because it is not possible for them to lose money on them. Therefore, these types of account are available for virtually everyone. Even if you have been made bankrupt or have CCJs you [url=http://www.achbanker.com/home.php]hollister france[/url] may well be able to open an account. Even though they may have to [url=http://www.davidhabchy.com]barbour outlet[/url] check your credit rating, even with a very bad rating you will probably still [url=http://www.re-tek.co.uk/abercrombie.html]abercrombie uk[/url] be approved for a basic bank account. If you are not approved, there is still an option - the 'one bank account', which accepts all applicants regardless of their credit history.
5. Consider ditching the credit card
Many people find they tend to overspend or make unwise purchases when paying by card, which they wouldn't [url=http://www.rivaluta.it/css/moncler.html]moncler sito ufficiale[/url] do if they were paying in cold hard cash. This is because it can seem as though it isn't real money when paying by card. Having to withdraw money and pay for items with cash often leads to a more considered approach so, if you are one of these people, you could be helped by signing up to a basic bank account which does not offer a bank card. This way, you may find yourself saving more money each month.
6. Get good advice
If you are struggling with debts or a bad credit rating then you can gain free, impartial advice from organisations such as the National Debtline, Citizens' Advice Bureaux and the Consumer Credit Counselling Service.
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