Hsbc

DanDan123

Well they said it will be a Maestro.......lets hope so!

sutton111

good luck any more info regarding equifax?

ShelfStacker_3

DanDan123 wrote: »

One question though perhaps for someone that works for HSBC - i was told that the computer had said i can have an overdraft up to £200 so i asked for £100 to cover the OD on the account that i am leaving. I have logged into my online banking, and cant see any overdraft on there at all. Is this something that happens at some point in the future or should i be calling them?

I'd call to confirm. Accepted overdraft limits are typically available instantly.

DanDan123

Well i called them, and they said that i had been offered an OD in branch, but i said no, so nothing has been put on my account. Apparently i need to go back into the branch to get it put on?!

I also asked her to confirm that a Debit card has been ordered, and she said that because the account had only been opened today, then it wouldnt show until tomorrow.

I hope its not going to be a Solo card!!!!

DanDan123

sutton111 wrote: »

good luck any more info regarding equifax?

Apparently they do random checks and its nothing to worry about?!

moneysavingallday

Dan, I had similar overdraft weirdness when i opened my HSBC Plus. The computer said I could have an OD limit of £1500. I said that was fine by me. But when I went into the branch to sign everything off they thought I didnt want the OD limit for some reason, so they did not put it on. When I told them that actually I did want the OD limit they said they'd have to put through another application for it. This time it only offered £300 or £400. I told them that wouldn't do and that I was really peeved. So they manually put in the £1500 OD limit. You might have to be a little firm with them.

ldavies_3

DanDan123 wrote: »

Well i called them, and they said that i had been offered an OD in branch, but i said no, so nothing has been put on my account. Apparently i need to go back into the branch to get it put on?!

I also asked her to confirm that a Debit card has been ordered, and she said that because the account had only been opened today, then it wouldnt show until tomorrow.

I hope its not going to be a Solo card!!!!

It wont be a solo if its HSBC Plus.. it will be the maestro

ShelfStacker_3

DanDan123 wrote: »

Well i called them, and they said that i had been offered an OD in branch, but i said no, so nothing has been put on my account. Apparently i need to go back into the branch to get it put on?!

Hmm. Have you tried applying over Internet Banking or through phone banking (option 6 on the main menu, once you've entered all your details)?

I also asked her to confirm that a Debit card has been ordered, and she said that because the account had only been opened today, then it wouldnt show until tomorrow.

I hope its not going to be a Solo card!!!!

She's correct, the card should be with you within a few days, I had mine about 2 days after it was ordered. If you've got a Current Account or up, you should have a debit card. IIRC, you've got Plus, so you should get Maestro, as we don't issue the swanky "Tesco Value First Direct" card with Solo.

DanDan123

ShelfStacker wrote: »

Hmm. Have you tried applying over Internet Banking or through phone banking (option 6 on the main menu, once you've entered all your details)?

Didnt want to apply for something new if it says that i can already have one?!

She's correct, the card should be with you within a few days, I had mine about 2 days after it was ordered. If you've got a Current Account or up, you should have a debit card. IIRC, you've got Plus, so you should get Maestro, as we don't issue the swanky "Tesco Value First Direct" card with Solo.

Good good, atleast i know it will be a Maestro then. Whats "Tesco Value First Direct" mean?!

On a seperate subject, how do Credit Card Applications work with HSBC? If i were to apply in a few months, is it based on my account conduct or is it all credit scored again?

ShelfStacker_3

In my experience, they did a search on me for my CC. I can't really say more than that to be honest, as I don't know their full procedures.

"Tesco Value First Direct" was a joke, in that the cards look a little bit like First Direct's, but are available to more people...