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which bank looks at account history when deciding to upgrade acct?

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welly_59
welly_59 Posts: 315 Forumite
Part of the Furniture 100 Posts Name Dropper Combo Breaker
in Budgeting & bank accounts
hi all i'm after some advice regards to basic bank accounts. i've got some bad credit which has made it impossible for mew to get a current account so i've had to get a basic acct instead. i've had a easycash acct with halifax for around 3 years during which time it has been run well, unfortunetely they wont upgrade my account as i've had a ccj in the last 3 years, no matter how my account is run.

I'm looking to change banks to one which would take my account history into consideration when deciding to upgrade me to a current account. Do natwest do this with their step acct?
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Comments

  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    HSBC, abbey i believe are pretty good at upgrading.
  • akashi
    akashi Posts: 93 Forumite
    Lloyds TSB carry out internal checks. There is even a chance they might offer you a credit card at some point.

    I had a NatWest Step account for years but they do not upgrade it to Current Plus account. With my poor credit history I applied for the Current Plus account and was accepted with a Maestro £250 cheque guarantee card!
    -*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*
    Be responsible with your money and avoid the misery
    -*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*
  • welly_59
    welly_59 Posts: 315 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    do hsbc give a debit card witrh this acct and DD facilities?
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    welly_59 wrote: »
    do hsbc give a debit card witrh this acct and DD facilities?
    you won't get a debit card with hsbc on there basic account butyou can have dd's. have you tried to apply for a current at another bank. try lloydstsb online they seem to give on-line answers as well
  • welly_59
    welly_59 Posts: 315 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    just tried now and it said i need to pop in with id, would it say if i was rejected?
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    what exactly did it say?
  • welly_59
    welly_59 Posts: 315 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    something along the lines of 'we are unable to complete application of this account online, please call into branch with correct id where we will be pleased to proccess it'
  • moneysavingallday
    moneysavingallday Posts: 615 Forumite
    welly_59 wrote: »
    just tried now and it said i need to pop in with id, would it say if i was rejected?

    what did you jsut try? a bank application? which bank?
  • welly_59
    welly_59 Posts: 315 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    lloydstsb classic acct
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    lloydstsb. go into branch then take your ID and see, at least it wasn't a decline.
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