Gary I did own at 14 (or 15) a switch card.
they had just come out.
yes your right they were a replacment for check books. they did not provide credit at all. as i stated in the early days the payment did not come out of your account direct. somtimes it took days, and in fact i remeber a payment taking weeks.
so often people would spend more than they had. say on wed they may spend more than what was in the account as by friday there pay had gone into there account to cover the debit payments. it was a student trick.
but these cards never gave credit. they were an electronic form of check book with the added bonus of also being a bank cash machine card. this was not credit.
as i say if you realy did run a shop you would know this.
you have stated i lied. i hope you will retract this. i did own a switch card under the age of 16.
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