Ah.. I fell out with Coinbase when they held almost 1000 Steller Lumens coz I sent them without a memo.

'We process these things in 4 to 5 weeks'.. they retorted.. no amount of threatening / pleading/ begging worked.. 5 weeks later I had my Lumens.

So now I use Wirex.. you dont need a card, just an account linked to your UK bank account.

Buy LiteCoin via Wirex, and send it to Blocktrades which does the conversion into STEEM for you. In less than 5 minutes, you can buy STEEM and no more big bad Coinbase.