Scottish Students Create Handbag Designed to Stop People Overusing Their Credit Cards
November 24, 2015
A trio of students based in Dundee have designed a handbag that discourages users from spending money on their credit cards.
The bag, which its designers are calling a “unisex satchel”, is programmed to generate a deep Ray Winstone-like voice saying “don’t even think about it” and “put it down, put it back” when a credit card is taken out of the bag.
The innovative bag functions by having a dedicated credit card slot positioned beside a red light and a sensor that sets off the sound recordings that could potentially keep people from adding to their debts.
Kirsty Sneddon, Leanne Fischler and Rebecca Smith are the three fourth-year students behind the bag and they’re all studying at the Duncan of Jordanstone College of Art and Design in Dundee.
“As soon as you take the credit card out, it sends a signal and inside the bag we have a whole load of electronics which we coded ourselves using a platform called Arduino,” explained Fischler.
“It receives a signal when you take the credit card out and it tells the circuit board that the credit card’s moved and it starts to play sequences from our recordings,” she told BBC Scotland.
The bag is apparently designed to offer an initially polite reminder to a credit card user and say: “Don’t you think that’s a bit much?” Which is then followed up by a more discouraging “Oh, not again” if the bag’s user continues to reach for their credit card.
Eventually, however, the aim is to somewhat embarrass a credit card user and potentially deter them entirely from increasing their credit card balance and leading to potential debt problems.
The product is only designed as a conceptual piece and not as something that might go on to be mass produced but the students are nonetheless hoping their designs will get people talking.
“We’re all passionate about using design to create change and starting conversations,” Smith told the BBC. “We want people to see it and interact with it,” she said of the bag.
According to themoneycharity.org.uk, total UK credit card debt in September 2015 was £62.7bn – working out on average as £2,349 per household.
If you’re finding it difficult to limit your credit card spending and your debts are running out of control then you can get help and advice on how to start making positive changes by calling Scotland Debt Solutions.
If your credit score has been affected by problem debt, you may be looking for ways to start rebuilding it and getting on with your financial future. Whether you are still struggling with your debt or have entered into an official debt management or insolvency procedure such as a Debt Arrangement Scheme (DAS), Trust Deed […]
If you’re worried that the council might take action against you for non-payment of council tax, entering into a Scottish trust deed can be a beneficial step. It stops legal action by all creditors included in the arrangement, and provides a ‘safe haven’ from which to regain control of your finances. As council tax arrears […]
A debt payment programme (DPP) remains on your credit file for six years, along with other default markers and court judgments that have been made against you. This can seriously affect your ability to borrow for this period of time, and longer. Even if you can secure borrowing, lenders are only likely to offer unfavourable […]
If you owe a debt of £5,000 or less, your creditor may send you a Simple Procedure Notice of Claim. This is a relatively new procedure that was brought in by the Scottish government and commenced on 28th November 2016 – their intention being to make it easier to resolve debt disputes. So if you’ve […]
A Bankruptcy Restriction Order may be made against you if it’s believed that you acted dishonestly, recklessly or unlawfully before you were made bankrupt, or during your bankruptcy. Your Trustee will inform the Accountant in Bankruptcy (AiB), and if their suspicions are upheld, a BRO of 2-15 years can be made depending on the seriousness […]
Debt payment programmes (DPPs) are an intrinsic part of the Debt Arrangement Scheme, which allows you to pay off unsecured debt at an affordable rate. If a debt payment programme is rejected by one or more creditors, the DAS Administrator can apply their discretion on whether to approve the plan, after using a test to […]
Tel: 0800 063 9250
Why Choose Us?
- Speak direct with a qualified adviser
- We do not operate call centres
- 4 Offices in Scotland - National Coverage
- Home visits also available
- Fully regulated advisers and Reputable Firm
- Helping Scots Get Out of Debt Since 1989