Virtual credit card type thing...

Phunk-E-Man · 27 Jul 2006 at 20:07

Hope someone can help with this...my mum wants to do some online ordering, but most of the places she wants to use only accept visa/mastercard and she only has a Visa Electron with her bank account due to poor credit rating...is there some kind of virtual visa type thing she can signup for without getting charged a great deal that would enable her to use VISA/Mastercard only sites?

Scott Salisbury · 27 Jul 2006 at 20:08

Can't you just use visa electrons by selecting the normal visa option? It's always worked for me when I had my electron.

Not sure if it still works though.

Does the site support paypal payments or worldpay or anything like that?

Phunk-E-Man · 27 Jul 2006 at 20:10

Fraid not...just gets rejected on most sites

EDIT: She has a PayPal account, but the sites she wants to use them on don't accept PP

Tican · 27 Jul 2006 at 20:23

there is one about that you pay the money into the account and then use that card.. like a bank account i suppose but with a little interest i assume (VISA) cant remember the name now though

- im after the name myself lol

Edit: just found this one on google. Not sure if its any good?

http://www.mycashplus.co.uk/

m3csl2004 · 27 Jul 2006 at 20:24

every site ive ordered from has accepted my visa electron card

basmic · 27 Jul 2006 at 20:40

Don't Paypal offer a credit-card?

Scott Salisbury · 27 Jul 2006 at 20:42

Aye my mate has a paypal credit card. Looks pretty good. Don't think it will help the OP's situation though.

Phunk-E-Man · 27 Jul 2006 at 20:51

Already tried for PP CC...but refused due to poor credit

Tican · 27 Jul 2006 at 20:52

DJ Binks said:
there is one about that you pay the money into the account and then use that card.. like a bank account i suppose but with a little interest i assume (VISA) cant remember the name now though - im after the name myself lol

Edit: just found this one on google. Not sure if its any good?

http://www.mycashplus.co.uk/

"Introduction to the prepaid MasterCard. Details on the cashplus prepaid MasterCard payment card, financial planning and no credit check."

might be a bit 2 long until you get it though?

SiD the Turtle · 27 Jul 2006 at 21:06

Get a Debit card instead? Avoids credit problems and most are visa or mastercard?

Phunk-E-Man · 27 Jul 2006 at 21:11

SiD the Turtle said:
Get a Debit card instead? Avoids credit problems and most are visa or mastercard?

That's what her electron is...it's a debit card from her bank account, but they won't give her a "proper" normal VISA debit due to her bad credit rating

McDaniel · 27 Jul 2006 at 21:20

Phunk-E-Man said:
That's what her electron is...it's a debit card from her bank account, but they won't give her a "proper" normal VISA debit due to her bad credit rating

Electron is not a "proper" Debit card, the credit rating shouldnt effect your mum getting a Visa Delta (Debit) Card as much as a a proper Visa Credit Card. Delta and Credit both can be used online though.

Townlea · 28 Jul 2006 at 02:10

Every site I go on to buy stuff I use my VISA Electron - I just select the VISA/mastercard option and it works.

I would contact your bank if the card is getting refused

Craig321 · 28 Jul 2006 at 03:08

Phunk-E-Man said:
Hope someone can help with this...my mum wants to do some online ordering, but most of the places she wants to use only accept visa/mastercard and she only has a Visa Electron with her bank account due to poor credit rating...is there some kind of virtual visa type thing she can signup for without getting charged a great deal that would enable her to use VISA/Mastercard only sites?

Surely she can get a Maestro(sp?) debit card? They're accepted most on most, if not all, online shops.

SiD the Turtle · 28 Jul 2006 at 09:36

I've had my Debit Card (full Visa, not electron or anything) since I was 18 (possibly 16 but not sure). Its from Nationwide and I don't remember them doing any credit checks ('Hello, can I have a Debit Card? Yes, here you go, goodbye'). I'm sure most banks and building societies do them.

I thought electron's were for 16-18 year olds, i.e. a mini-Via.

Lopéz · 28 Jul 2006 at 09:42

Townlea said:
Every site I go on to buy stuff I use my VISA Electron - I just select the VISA/mastercard option and it works.

I would contact your bank if the card is getting refused

The bank will tell you "Tough".
Some authorisation systems just won't accept Electron (including ours at work)