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Criteria for HSBC Bank Account

1246

Comments

  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Credit Account Information Sharing (lenders updates to the CRA's - so where you see date last updated - this is from the lender!).....

    No HSBC do not do searches, it was from the update they also get a feed about my profile.... bummer!
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • noah271007
    noah271007 Posts: 1,248 Forumite
    Hey at least you got some good news... how did you managed to get HSBC to reverse the CC?
  • noah271007
    noah271007 Posts: 1,248 Forumite
    Having an o/d does not show up on credit reports.... so no impact on credit score, but it can have an impact on the internal behaviour score.

    Apart from the incorrect links on ur credit file, have you got any other nasties or are they all spotless with green zeros?
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Hi Noah - hows it going mate?

    I told HSBC to reinstate it or i'd formally complain to their head of fraud that went through everything with a fine tooth comb at application stage. It was as if her team of minions had taken it away without reading her notes agreeing it personally! lol

    They put it back almost instantly..... I have still complained to her though cos its wrong what they done. I am going away next week (yay 2 weeks in the caribbean) and may have needed it! Luckily, Cuba uses a closed currency so i'm taking a wad of £20's! BUT it could have been so different which is what i'm moaning over lol.....

    Gives me summat to do (moan) when working nights lol..... My credit file is fine, the links went overnight and now just have searches.
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    noah271007 wrote: »
    Having an o/d does not show up on credit reports.... so no impact on credit score, but it can have an impact on the internal behaviour score.

    Apart from the incorrect links on ur credit file, have you got any other nasties or are they all spotless with green zeros?
    My O/D's show on my credit file
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Innocent_Guy wrote: »
    My O/D's show on my credit file

    Mine do but always at £0 even went I tested it by moving everything to another account and going £500 o/d on update day - still shows as £0!
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    never-in-doubt wrote: »
    Mine do but always at £0 even went I tested it by moving everything to another account and going £500 o/d on update day - still shows as £0!
    Likewise, only when I went over my o/d did they amount of o/d used show
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • Cash_Flow
    Cash_Flow Posts: 1,103 Forumite
    never-in-doubt wrote: »
    Mine do but always at £0 even went I tested it by moving everything to another account and going £500 o/d on update day - still shows as £0![/QUOTE]

    I think the £0 ammount changes if you over your O/D limit on the day your bank updates your account status to the CRA's and if you are over your limit on your statement date.
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    Cash_Flow wrote: »
    never-in-doubt wrote: »
    Mine do but always at £0 even went I tested it by moving everything to another account and going £500 o/d on update day - still shows as £0![/QUOTE]

    I think the £0 ammount changes if you over your O/D limit on the day your bank updates your account status to the CRA's and if you are over your limit on your statement date.
    This seems to be true
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Yea well how would I know when i'd never go over the o/d limit lol.....
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
This discussion has been closed.
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