My sister, Anita, is a CPA member so she can get American Express credit card with no annual fee, and she also made an Amex card for me. Can get lots of points if I use Amex so I always try to use it whenever I have the chance.
I've been interested in buying stuff from eBay cos they sell with low prices. But most of transactions such as Paypal can not use Amex, they use MasterCard or Visa.
Well, I saw a Virgin advertisement in Hotmail for Visa/MasterCard (can't remember) credit card with no annual fee as well, but it was unsuccessful. Not sure why, they didn't tell me and I didn't bother to ask. That was that.
One day, from the Internet when I was trying to buy something, it struck me (don't remember what it was) that you can use Visa without it being a credit card. So I checked with Suncorp (my bank) website and it's got a Visa Debit Card.
Visa Debit Card is similar to credit card, it's just that you need to have money in the bank before you can spend anything. Unlike credit card, however, it's got no annual fee.
No annual fee is good and I prefer having money in the bank first to pay right away cos I don't want to pay the interest for late fee so debit card really suits me. It also saves me from transferring money to the credit card account everytime I buy something.
I applied for it ASAP and with my good banking records, my scholarship and some term deposit, I was good enough to get the Visa Debit Card!
I've been buying a few items from eBay and it's been great. Works in a flash.
Can't be happier.
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