Barclays refused me a current account!

tilly-roo

And I don't understand why?

'We have carefully assessed your application.. etc etc.. the main reason for this decision is that the score for your application was below the level that we currently accept on the product for which you applied.'

I have never had a credit card, I've had an overdraft however promptly paid it off along with all the fines, that was with HSBC.

What does the fact that my score is too low mean?

sutton111

Have you checked your credit file?

Experian and Equifax.

rb10

tilly-roo wrote: »

I've had an overdraft however promptly paid it off along with all the fines, that was with HSBC.

Does this mean you went over your overdraft limit, or just used an arranged overdraft? If the former, then they aren't exactly going to see you as a risk-free customer, are they? (Assuming it was relatively recently that this happened.)

staffie1

I could be that because you've not had much credit, there's not enough history to assess whether you are a good risk..?

Extant

Well... in the nicest sense, we take Polish people "fresh off the boat" and give them bank accounts with all-auth debit cards.

I'd suggest having a look at your credit report and seeing what's there around this overdraft.

bitterSTAR

BarclaysManager wrote: »

Well... in the nicest sense, we take Polish people "fresh off the boat" and give them bank accounts with all-auth debit cards.

I'd suggest having a look at your credit report and seeing what's there around this overdraft.

I wish people would just leave Polish people alone.

PROLIANT

bitterSTAR wrote: »

I wish people would just leave Polish people alone.

Nobody is having a go at "Polish People" sir; Mr Barclays Manager was just pointing out a mere fact and maybe throwing the cat amongst the pigeons.

Extant

bitterSTAR wrote: »

I wish people would just leave Polish people alone.

I used them as an example because they are by far the largest immigrant group at the current moment.

It's not as though I said OH GOD I HATE POLISH PEOPLE KOPYTKA IS JUST DISGUSTING AS WELL.

bitterSTAR

BarclaysManager wrote: »

I used them as an example because they are by far the largest immigrant group at the current moment.

It's not as though I said OH GOD I HATE POLISH PEOPLE KOPYTKA IS JUST DISGUSTING AS WELL.

Fair enough, it's okay. I just find it offending that a lot of people complain about Polish people, particularly as I have Polish relatives. I guess I just hate stereotyping lol. Anyways, I apologise for moaning.

PS. I upgraded my current account to Premier Life last week, so far very happy!

Mrs_Ryan

Thats something I cant understand.

People can come here from another country (especially students) and get overdrafts, credit cards, and all-singing-all dancing bank accounts, but they could be bankrupt or wanted for fraud or anything in their own country, but they can get potentially loads of credit over here, whereas if you've lived in this country all your life and had one or two credit problems in the past, despite the fact you could be the world's most careful person with money now, most banks will turn their noses up at you!!!!!!!!!

I just dont get it Im not being nasty here, Im just generally puzzled by this.

Extant

bitterSTAR wrote: »

Fair enough, it's okay. I just find it offending that a lot of people complain about Polish people, particularly as I have Polish relatives. I guess I just hate stereotyping lol. Anyways, I apologise for moaning.

PS. I upgraded my current account to Premier Life last week, so far very happy!

I don't hate Polish people. And I actually love most Polish food.

Enjoy your black card.