What's the best way of increasing my overdraft limit?

Extant

Calchas wrote: »

The very fact you consider it realistic that people squander their money when they face financial difficulty shows you have no right to lecture anybody about reality.

There is a difference between helping people and judging them. Can you not keep your pomposity to yourself?

Where did I say squander? I said fritter, as in to diminish. And the reality is that if people face financial difficulties, they will spend their savings. Most people do not even realize they are having troubles UNTIL they have spent their savings.

I'd like you to justify exactly how I've been pompous here.

Calchas

BarclaysManager wrote: »

Where did I say squander? I said fritter, as in to diminish.

You used the term "fritter away", which means waste.

Waste means squander.

Extant

Calchas wrote: »

You used the term "fritter away", which means waste.

Waste means squander.

Are you aware that words have different and multiple meanings? Fritter can also mean to diminish or divide, without any explicit inference of waste.

You're making an assumption that I'm making an assumption. Good going there, champ.

Calchas

BarclaysManager wrote: »

Are you aware that words have different and multiple meanings? Fritter can also mean to diminish or divide, without any explicit inference of waste.

You're making an assumption that I'm making an assumption. Good going there, champ.

Squirm all you like. Contextually, your excuse is absurd.

gazelle8760

You have to remember that Banks are not obliged to give you any form of borrowing whatsoever! You say you have a £100 overdraft, and now you want to have it increased to say £200, what would you want the increase for? Remember, if you are wanting the increase to use it for living expenses, and you have limited funds going in each month, then you are technically living off the banks money, if they suddenly stop their borrowing, and you owe them your limit, if your money goes in, then your left without. You probably have not been given an increase as you don't meet their criteria, this changes from month-to-month, but it also generates a score on the amount you run through your account, and what other credit facilities you have with them. I'm not being funny, but you said you have your JSA Paid into your account, so you have answered your own question really, when you get a Job,and have a proper income, then perhaps, subject to your credit scoring, the bank will give you what you are seeking, until then perhaps you should be content with what you have, instead of wanting to create debt, after all it would be the mere tax payer that would end up bailing you out.