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Even if I don't necessarily agree with it, I can understand an argument for not allowing credit cards to suffice for this (not everyone has good enough credit t
by anonym29 2y ago
Even if I don't necessarily agree with it, I can understand an argument for not allowing credit cards to suffice for this (not everyone has good enough credit to get a credit card - we shouldn't discriminate against the poor and all), but shouldn't every adult legally residing in Australia be able to open a bank account and get a debit card, even with bad credit?
- mianos 2y agoEveryone with 100 points of id can open a bank account. If you have very bad credit, or even officially bankrupt, you can get a debit that does not let you spend more than you have, well mostly. But, that still leaves the newspaper commenters who have a friend of a friend who does not have 100 points of id or loses their card and bank details weekly.
- notpushkin 2y agoNo idea about Australia, but in Estonia (and I suppose most of the Europe?) children can get a debit card without much hassle. Maybe we could give them dedicated BIN numbers so that you could check for age this way, but I think it’s not worth the hassle.
- anonym29 2y agoPerhaps the world's most digital-native democracy isn't the fairest comparison to us ye olden paper pushers, lol.
- notpushkin 2y agoFair point :^) I’ve decided to look it up, and it’s a mixed bag: in the EU, there’s 6 cointries where minors can open a debit card (the age requirement is as low as six in Slovakia or seven in Latvia). Then there’s another 11 countries with no minimum age at all – though they do require parents’ consent. https://fra.europa.eu/en/publication/2017/mapping-minimum-age-requirements-concerning-rights-child-eu/issuance-credit-card https://fra.europa.eu/en/publication/2017/mapping-minimum-ag...