Smarthandbooks

Is it a good idea to have a credit card?
Credit cards can be very useful but they have their drawbacks - you can be tempted into making more impulse purchases and spending beyond your means. If you are very disciplined in your spending and pay back what you've spent on the credit card within the credit period, then they can work well for you.

How can you open a bank account?
You can open a bank account in your name over the phone, on the Internet or by visiting your local branch.

Any tips on providing your 100 points.
· A passport asnd full birth certificate plus a driver's licence is an easy way to make up 100 points of identification that suits most people.
· If you need help working out what identification to bring, just ask your bank, Telephone Banking or branch staff.
· You'll only need to go through the 100 points of identification procedure with your bank once.