Abbey

sruben

I have just been accepted for the Abbey account (I can't believe it) when looking on the internet it says that they automatically accept you for the credit card to is this correct does anyone know.

lewis89

It used to be the case that if you were automatically accepted for a bank account with a Multi Function Card, you would be guaranteed to get a credit card even though the limit would normally be very low starting at £250 however this is now not the case, an the advisor cannot guarantee you a credit card anymore.

flyingscotno1

lewis89 wrote: »

It used to be the case that if you were automatically accepted for a bank account with a Multi Function Card, you would be guaranteed to get a credit card even though the limit would normally be very low starting at £250 however this is now not the case, an the advisor cannot guarantee you a credit card anymore.

With Abbey if you maintain a decent balance say av. £500+ in the account I found that a CC was offered to you in about 5 months. What checks and status things you need to meet for that as well I don't know- but that is what happened to me. Also had the biggest credit limit of any card I had, more than double my more than sufficient Citi one!:eek:

simax

flyingscotno1 wrote: »

With Abbey if you maintain a decent balance say av. £500+ in the account I found that a CC was offered to you in about 5 months. What checks and status things you need to meet for that as well I don't know- but that is what happened to me. Also had the biggest credit limit of any card I had, more than double my more than sufficient Citi one!:eek:

Is that for real? My new Abbey account has £2,500 in it (using it for the 6% interest), and popping £1,000 out and back in for the funding aspect.

Will they offer me a CC after 5 months, or do you need to actively use the account to qualify??

leachyd

As a student i was living in my overdraft, then on placement earning approx 1100 net a month, while still not really getting out of the overdraft i was also offered a cc. Letter came through guaranteeing a cc and was given £3200 balance. Think that as long as you manage your account reasonably well then they will offer you one.

Bob_the_Saver

They're not called shAbbey in these forums for nothing, please move on to a proper bank as soon as possible, PLEASE. We don't want to be here saying "told you so" in the near future.

simax

Bob_the_Saver wrote: »

They're not called shAbbey in these forums for nothing, please move on to a proper bank as soon as possible, PLEASE. We don't want to be here saying "told you so" in the near future.

I am with a proper bank (LTSB). I'm merely using them for the 6% rate on £2,500 I've got kicking about. :j

Muststopworrying

simax wrote: »

I am with a proper bank (LTSB)

:rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl:

Why are Abbey so bad?!

Are Allience and Leicster any better?

jambosans

Muststopworrying wrote: »

Why are Abbey so bad?!

Abbey seem to have a good product range but poor customer services. Abbey always bottom out on consumer polls. This recent Scotsman article detailing a Which? Money survey is a good example.

Muststopworrying wrote: »

Are Allience and Leicster any better?

Don't know about the present but in future if Santander (who also own Abbey) have anything to do with it, I would imagine no.

firsttimestudent

sruben wrote: »

I have just been accepted for the Abbey account (I can't believe it) when looking on the internet it says that they automatically accept you for the credit card to is this correct does anyone know.

lewis89 wrote: »

It used to be the case that if you were automatically accepted for a bank account with a Multi Function Card, you would be guaranteed to get a credit card even though the limit would normally be very low starting at £250 however this is now not the case, an the advisor cannot guarantee you a credit card anymore.

I opened my Abbey 6% Current Account in early August. The website showes the promise, as did the advisor - in fact, she believed that was always the case, as whenever a credit card application is declined (for those who open a current account), she has always rang a central number and get the application accepted. However, when it was my turn, the central number people said that service is discontinued.

I wrote a complaint letter to Abbey Complaints - must say their Complaints Team people are rather polite and courteous, can see they are actioning on it (i.e. left voice messages to me letting me know they have not forgotten my case and are processing it). Will update you all on my complaint status when I hear back from them (the person said hopefully this week).

johnmoney05

I have been with Abbey over 3 years. My account always has the balance of £2500 or above. I got rejected for the Zero credit card for 3 times for this year! I will try the fourth time when coming back from my holiday in Sep!!! And I have never got rejected by any other bank.

ps. I only used their online application, I will try to use the phone application to see if any help to talk to the human being.