HSBC Visa Debit Card

noah271007

Richard9991, thanks for this.

I assume i will have a credit check (credit scoring) as part of the process to determine whether I will be accepted? What are the procedures for doing this? Passport as ID and bank statements showing my current address and salary credits? Is your card a cheque guarantee one or is that normally reserved for people with decent credit history etc?

noah271007

Can I have an overdraft in addition to having a current account or will it depend on the credit scoring. Does the computer comes up after credit checks saying i am entitled to overdraft up to £250 and so on?? Did yours say anything like this during the credit checks?

richard9991

noah271007 wrote: »

Can I have an overdraft in addition to having a current account or will it depend on the credit scoring. Does the computer comes up after credit checks saying i am entitled to overdraft up to £250 and so on?? Did yours say anything like this during the credit checks?

i had to wait 6 months for od account conduct but got £500 now the id you mention is fine dont know if they still do cheque guarantee cards mine is visa debit duel function card not electron hope this helps

noah271007

Thanks Richard9991 for that. I have applied for a current account at the branch this morning and was instantly approved using Experian CRA as Primary search. I was offered up to £250 free overdraft....up to Platinum level. The Branch Manager have said that my credit file at Experian is fine and said my internal score at Lloyds is now a 4...on a scale of 1 (best) to 10 (awful) despite the fact i have just opened an account with them today!
The only draw back is if i opt for the silver, gold or platinum debit card, then I will have to pay a monthly fee (£7.50, £12 and £17) but first three months a discount. I can always have a classic account but I would like travel/phone insurance included with the account.

As i am currently on HSBC Plus (£12.95), if I select platinum, this would have the same cover as I have at HSBC plus for family cover and worldwide travel insurance. I am a father of 2, and up to 7-10 times a year travel outside UK. I do realise it will cost an extra £4 but i will ALSO have phone insurance included, which actually save me money had I got a phone insurance elsewhere, naming Carphonewarehouse.

Is it worthwhile having a Lloyds Tsb platinum debit card with the free overdraft included (£250) and additional benefits on top that is more useful for me than a HSBC Plus debit card even if it cost me an addtional £4 (£17 monthly fee) or am I being a bit naive??

noah271007

Hi Guys

I would appreciate your comments in response to my post above.

Cheers

dstart

Got mine this morning
:j

noah271007

dstart, thanks so much for showing the new HSBC visa card. Are you on Current Advance account with HSBC?

Lokolo

I am so upset, I was hoping it would look nicer!

noah271007

Lol. It is only a card mate. If you are so upset, then maybe you ought to have the HSBC plus card. I think it is one of the best looking cards out there at the moment. I don't know whether this card is the design for the current advance HSBC holders or for the current account/basic account.

Lokolo

I think its the same, only the features change.