Credit Rating on Multiple Bank Accounts

Yuzo

i applied to open a new "current account" and a new "savers account" over the weekend with different banks, as they were offering good incentive payments for signing up.

i have now just heard about the A&L £100 current account and am wanting to go ahead with this, but having already applied for 2 new accounts over the weekend, im wondering would it be risky to open another bank account?

i would be using the new A&L current account as my main bank account (if i do go ahead), as i will have to put in £500 a month to get the £100 bonus.

my credit rating may take a bash for the rest of this month, but are we talking about anything serious?

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i have been very sensible in the past, i have only ever had/applied for 1 main current account, 1 credit card account and 1 ISA account in my whole life (currently 22).

i have always payed my credit card off on time every month aswell.

i wont need to use my credit rating for atleast another year when i may start considering buying my first house.

thriftymomma

You were probably not credit checked for the saver so you have really only had one search. I don't think it should cause you any problems.