accepted by hsbc refused by halifax- nationwide?

The_Boss

It should do, unless Experian are also reporting many late payments on it. But the number of credit searches also affects things and can lead to being accepted with a low limit.

regularsaver1

Whats your conduct like on the accounts you already have on them?

johnmoney05

I think you better off apply Nationwide Current account. I don't think any reason they will refuse you. (for my experience, which I tested before) I use the Nationwide debit card to withdraw cash from ATM, and use the Nationwide credit card at the SAME day in Prague and El Savado. Both of the transactions turned out the debit card got a better rate of exchange. So now I only use my debit card to withdraw money when I am abroad and hardly use their credit card anymore.

jasonrat

I applied for a nationwide flexiaccount and they could only offer me a cash card and not a debit card. as with my accounts i have £5000 in halifax and £4000 in our joint account with hsbc dont have any debts whatsoever

johnmoney05

jasonrat wrote:

I applied for a nationwide flexiaccount and they could only offer me a cash card and not a debit card. as with my accounts i have £5000 in halifax and £4000 in our joint account with hsbc dont have any debts whatsoever

oh...were you opening that account in a branch? talk to the branch manager with your other bank statements to show them the balance you have with other banks...if they don't give you a debit card...just tell them to forget it...a cash card?! useless....their interest rate is not the best one...

King_Of_Fools

johnmoney05 wrote:

oh...were you opening that account in a branch? talk to the branch manager with your other bank statements to show them the balance you have with other banks...if they don't give you a debit card...just tell them to forget it...a cash card?! useless....their interest rate is not the best one...

The cashcard is perfectly adequate for withdrawing money from foreign ATMs!

grumbler

johnmoney05 wrote:

...a cash card?! useless.......

If you don't know anything about some product, is not it better to withhold your misleading comments abot it ...:silenced: ? Also it is worth reading other posts before posting. It was explained twice in this thread (before your post) that Nationwide cash card is as good as their debit card for withdrawing cash abroad.