RBS won't up my overdraft

Biff09

Hi hope this is ok, please bare with me this is my first post.

Just been on my online banking and tried to up my overdraft, anytime I have done it in the past it has always let me and also used to say that I could have an overdraft facility of £3700. My overdraft is only for £300 at the moment. I do class myself as a good customer ie I have loans,life insurance and insurance with my bank and also have money in my account at all times, the only thing I can think that is making them decline there decision is 2 months ago my wages cheque bounced :mad: and I got bank charges which was not my fault so my work gave me the money for the charges back. I have never been late or missed any payments previous to this happening ,do you think this is why I have been declined or are they just starting to be more cautious with lending. This is really annoying me as I liked living with the knowledge that if I ever needed emergency funds quickly I could up my overdraft any advice would be very much appreciated. Thanks:o

CLAPTON

emergency funds come from savings

ILW

CLAPTON wrote: »

emergency funds come from savings

Not for the last 15 years.

Rolandtheroadie

Online is computer that'll have set parameters, try branch.

Louise22

I worked there - your credit score, or what they called "risk band" dictates to how much of an overdraft you can have.

blue_haddock

If you dont use it does it really matter?