I never had a problem with a debit card at all. As Foggy says, you should not have a credit card.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
IVA started March 2011, Completed March 2016 and certificate issued 11 days after final payment. It was not always easy but then some of the best decisions aren't.
Slightly different to what you asked but worth being aware of re debit cards.
From what I have read some banks will stop anything in your name, even debit cards if you are listing them as a creditor, this is for example if you have e.g. £150 in your current account with debit card, and you had e.g. £5k of debt on a credit card with the same bank, as soon as you start getting into hot water with the credit card the bank can in certain circumstances grab to money in your current account and freeze everything.
When I did my IVA with McCambridge Duffy they check who you bank with to make sure there is no chance of this happening with any associated creditors who may belong to the same group before they submit the IVA paperwork .
The safest course of action is to bank with a completely separate entity to any of your creditors (and check who belong to the same group, you'd be surprised which companies are all interlinked !! I setup a coop cashminder account and a cashplus MasterCard, pre-load account and left the others I used to have as dormant with a £1 in them, just to see what happens to them.
Last edited by longslog101 on Sun Sep 20, 2015 7:27 pm, edited 1 time in total.
My Blog details, the route I took before IVA, how I choose my firm, equity release advice (year 4-5), challenging the CRA's keeping IVA on credit file once gone from insolvency register
IVA ended August 2015. Would recommend McCambridge Duffy