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Who makes decissions on getting an overdraft?
Legacy_user
Posts: 0 Newbie
I'm just curious, as anytime I ask A&L its an automatic no, and I have never had a charge, have my pay going in etc. I asked them and they said "Aw you must have a CCJ or something" I said I don't, they told me to contact the underwritting who say it never reaches them. Its not really that I want an overdraft just curious as to why its automatically a no when my partner who has a CCJ gets one anytime she wants. I have checked my credit file and there is nothing out of the blue on it,Its not great but neither is it poor, its better than my partners.
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Comments
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Which credit report did you check? Equifax, Experian, etc?
Overdraft decisions are made based on the bank's risk policy. This then dictates how the automatic computer-based decisions are made, and then dictates what manual underwriters/assessors will have to adhere to when reviewing decisions "real world."What would William Shatner do?0
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