@viccie30
Telling me what terms I signed... How very American of you.

The thing is, I didn't. I don't know what terms my parents signed when they opened my account when I was a child back in the early 1980'es or late 1970'es (I have had my account as long ss I can remember), but it definitely didn't involve any form of credit card, because that disn't exist here, and credit for children wouldn't be legal in the first place.

And I never bothered getting a more adult contract, because an account that does not allow spending money I don't have is what I prefer anyway.

My bank just decided that the paper "bank book" I used to have was too old fashioned, and replaced it first with a bank card with a mag stripe, and when that wasn't secure enough, with a debit card.