I didn’t have any credit card in China because I knew little about it at that time. When I came to the UK, I must deal with everything, like renting rooms, cooking, applying broadband etc. Meanwhile, I found most of them require a bank card to transfer to, and it’s best to have a debit card or credit card, that cause me to learn more about it.
It seems that there are many kinds of band accounts in the UK. Except the debit card and credit card, there are still some saving accounts and current account and a little different between same kinds bank accounts with different logo, like visa, master, etc. The advantages of its financial system I got are online banking, shopping, or some like that. After I came here 2 months, I intended to buy a personal computer, but it’s too expensive in the real stores, so I tried to find out shopping online and logged on Dell website which was famous for its price, quality and service. That is definitely right. I found it was about 50 pounds cheaper than other online stores and real stores, without any doubt, I decided to buy one. At that time, I’ve already gotten a debit card and that was my first time used it. It was really fresh to me, and I got it after one week later and it direct debit me 2 weeks later, that made me love shopping online, not only the price, but I also got refund from the other website , Mutualpoints which I linked through. Today, I received its cheque, 45 pounds, not the only refund from Dell computer but also something else like mobile, books, CDs etc.
I also registered and verified a paypal account, and banking some pounds in it. One day, when I surfed on its site, an advertisement attracted my eyes – betfair, a sport betting website was combined with Paypal and gave a new user 5 pounds bonus if he deposit more than 5 pounds through paypal. I registered Betfair and deposit 5 pounds immediately and got the bonus after about 30 minutes. Even though it was not cash, but I knew it was my money and I could transfer it to my account. So easy 5-pounds income, felt nice! I also registered online bank function about my 2 accounts. It was very easy to see the statement and I don’t need any statement letter now because I can easily access them on the internet.