HSBC Plus

never-in-doubt

ShelfStacker wrote: »

If you feel it's worth £12.95 a month then go right ahead, but I would point out that First Direct's is £3 cheaper, much posher and has an interest free overdraft.

If you have HSBC Plus are 1st direct likely to be lenient with credit score or are they strict? I have never used o/d etc but have one on account.... use cheques/dd's/so's every month....

Always wanted a 1st direct but heard they were for perfect credit! Unless you can tell me otherwise - like if they base decision on HSBC score then great! lol

never-in-doubt

Andy_Ches wrote: »

I got this account for the benefits and the interest paid on my account. Least to say I'm not impressed it's being reduced to 0%. Fool, no... wise....yes.

Yea know what you mean, even £20 a year was better than nothing..... never mind, only got 6 months left of contract then will try 1st Direct and see how I get on with applying!

ShelfStacker_3

never-in-doubt wrote: »

If you have HSBC Plus are 1st direct likely to be lenient with credit score or are they strict? I have never used o/d etc but have one on account.... use cheques/dd's/so's every month....

Always wanted a 1st direct but heard they were for perfect credit! Unless you can tell me otherwise - like if they base decision on HSBC score then great! lol

IIRC they take HSBC behavioural score into account. My credit score isn't wonderful (no missed payments but lots of searches) and FD accepted me. Give it a go - if you've not claimed on the insurances or used any of the other benefits (aside from interest) it's possible HSBC would let you break contract on Plus early - they did for me. Don't expect it though.

(Not representative of the bank, may be wrong, blah blah blah.)

Andy_Ches

never-in-doubt wrote: »

Yea know what you mean, even £20 a year was better than nothing..... never mind, only got 6 months left of contract then will try 1st Direct and see how I get on with applying!

There seems to be some criticism about these types of packaged accounts, but for me it is worth it, I use all the benefits.

The interest rate isn't a benefit as such but it was another perk as my account is always in credit. Hence why I am a litle annoyed.

I was with First Direct but switched to HSBC Plus, the facilities and services HSBC offer, for me, outweight FD.

In any case my Plus costs £6.47 a month :rotfl:

never-in-doubt

Andy_Ches wrote: »

There seems to be some criticism about these types of packaged accounts, but for me it is worth it, I use all the benefits.

The interest rate isn't a benefit as such but it was another perk as my account is always in credit. Hence why I am a litle annoyed.

I was with First Direct but switched to HSBC Plus, the facilities and services HSBC offer, for me, outweight FD.

In any case my Plus costs £6.47 a month :rotfl:

Ahh you got the half price deal then? :mad:

I may try 1st Direct but got lots of searches so don't expect much thus I thought i'd wait til a year LOL

never-in-doubt

ShelfStacker wrote: »

IIRC they take HSBC behavioural score into account. My credit score isn't wonderful (no missed payments but lots of searches) and FD accepted me. Give it a go - if you've not claimed on the insurances or used any of the other benefits (aside from interest) it's possible HSBC would let you break contract on Plus early - they did for me. Don't expect it though.

(Not representative of the bank, may be wrong, blah blah blah.)

Thanks - I know youre just giving advice - lol, chill out dude! Seriously though, do you know if i'd havea behaviour score as opened Plus in December 2008 (5 months ago) ?

noah271007

never-in-doubt wrote: »

Thanks - I know youre just giving advice - lol, chill out dude! Seriously though, do you know if i'd havea behaviour score as opened Plus in December 2008 (5 months ago) ?

Why don't you ask your nearest HSBC branch? They will be able to tell you. Just request to see an advisor about your account, and the BS will be on screen. I'm sure you know that don't you?

never-in-doubt

noah271007 wrote: »

Why don't you ask your nearest HSBC branch? They will be able to tell you. Just request to see an advisor about your account, and the BS will be on screen. I'm sure you know that don't you?

I do know that yes mate, bottom right corner on the customer profile page but how do I get them to tell me what it is LOL... I know the criteria benchmark scores as well, but just dont know my own behaviour score so daren't apply for owt with them LOL

Andy_Ches

never-in-doubt wrote: »

I do know that yes mate, bottom right corner on the customer profile page but how do I get them to tell me what it is LOL... I know the criteria benchmark scores as well, but just dont know my own behaviour score so daren't apply for owt with them LOL

I make an excuse each time to see my behaviour score :rotfl:

Can you tell me the balance of savings account please...?

Can you check my telephone details are up to date...?

lol

PARIS_5000

Call the 0800 number on their website they will tell you your behaviour score over the phone.