Sub Prime Credit Thread Part III

TheEffect

I applied online for the HSBC Gap Year Account, thinking they would just upgrade my current HSBC Bank Account with them as I selected YES when they asked if you are an existing customer.

However today I've received a letter saying go into branch and show them ID, university letter and it's also given me the account number and sort code of a new account (the gap year one).

I'm not sure if I want a second current account with HSBC. Should I just go and open it now they've already credit checked me etc...?

never-in-doubt

TheEffect wrote: »

I applied online for the HSBC Gap Year Account, thinking they would just upgrade my current HSBC Bank Account with them as I selected YES when they asked if you are an existing customer.

However today I've received a letter saying go into branch and show them ID, university letter and it's also given me the account number and sort code of a new account (the gap year one).

I'm not sure if I want a second current account with HSBC. Should I just go and open it now they've already credit checked me etc...?

Go for it mate - helps you at the end of the day as you'll get extra on your behavioural score (long term) by running more than one account.....

Innocent_Guy

never-in-doubt wrote: »

Hi mate - yea, some muppet texted me when I was sat on beach drinking cocktails - lol, wonder who that was? :whistle::whistle::whistle:

Ok, sorry but I read it as meaning what I said - wasn't being critical honest

LOL Wouldn't know :rotfl::rotfl:

Innocent_Guy

seeya23 wrote: »

Good morning to all
Vanquis have put my limit up to £500 now

They seem to be increasing limits mine went from £250 to £750

Innocent_Guy

TheEffect wrote: »

I applied online for the HSBC Gap Year Account, thinking they would just upgrade my current HSBC Bank Account with them as I selected YES when they asked if you are an existing customer.

However today I've received a letter saying go into branch and show them ID, university letter and it's also given me the account number and sort code of a new account (the gap year one).

I'm not sure if I want a second current account with HSBC. Should I just go and open it now they've already credit checked me etc...?

I would leave it open mate, I read somewhere that you automatically qualify for a credit card of £250 when opening the gap account

never-in-doubt

Innocent_Guy wrote: »

They seem to be increasing limits mine went from £250 to £750

What? Mine went from £250 to £500 on statement 4, now had statement 8 and still the same! I won't be with them for long to be fair - I have enough mainstream cards lol. :beer:

Innocent_Guy

I never had any increase @ statement 4. Maybe they increased mine as I have had more activity on the account recently

never-in-doubt

Innocent_Guy wrote: »

I never had any increase @ statement 4. Maybe they increased mine as I have had more activity on the account recently

Ive deleted V from my sig and will close tomorrow (maybe)......

I dunno why you got a good increment, maybe its cos you is black mate? lol (joke).... xxx

p.s what did you text me about, I totally forgot mate?

puppywalker23

Afternoon.

Well recieved my Accessory Mastercard this morning.Limit is £750 not bad hopefully will increase quickly.Will pay balance off every month.
Was even pleased when I called to activate it,no hard sell for their ppi,just took seconds.

TheEffect

Well went into HSBC. After waiting 20 minutes to see someone, they photocopied the documents and said they'd sort it. Just waiting for the account to show on internet banking.