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

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  • welly_59 wrote: »
    lloydstsb classic acct

    Cool! Good luck :)
  • welly_59 wrote: »
    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'

    this happened to me, i took my id in to branch and that was my account opened i got the classic account silver(free for the first year) visa debit and cheque book, had my card and cheque book in a few days
  • Very good. When I applied for my Lloyds acc I did it online, it didn't tell me either way at the end of the applic. Maybe a week later I recceived the welcome pack in the post asking me to take ID into the branch
  • welly_59
    welly_59 Posts: 315 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    just got back from the bank and they would only give me a cash account. will i be able to upgrade this in the future if i run the account weel? unlike halifax which want 3 years to pass after my ccj before even considering me
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Well done!!!
    Oh yes you will be able to upgrade in 6 months or so don't go over drawn never have a unpaid DD and try to use your card for every transaction. Just ring them in a few months to see if it's sooner.
    You get a visa debit card with that account as well not a electron.
  • sutton111 wrote: »
    Well done!!!
    Oh yes you will be able to upgrade in 6 months or so don't go over drawn never have a unpaid DD and try to use your card for every transaction. Just ring them in a few months to see if it's sooner.
    You get a visa debit card with that account as well not a electron.

    I've seen this quoted in quite a few different posts, does anybody know why making a debit card payment seems to be better than going to the cash machine?
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    well i believe it has something to do with the bank being able to see where you spend your money and if your bank also handles transactions for said retailer it would get a merchant fee as well.
  • Why does your bank need to see where you spend your money? Yikes!
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