The Sub Prime Credit Thread - Part IV

Zack1

kerryberryboo wrote: »

I've a question - although not completely relating to sub prime credit cards.:p
If I wanted an overdraft facility and my current bank account won't allow me to have one on my account - can I open an account with BOS/Halifax who would let me? Or would this be another decline and search on my credit file? :eek::eek:
Not really happy with the clydesdale bank - got a dual function card but no overdraft, been with them for 6 years, before that it was the Lloyds TSB who were worse!
Just looking for a bit of info and advice.

Off to listen to some Gaga! :rotfl::rotfl::rotfl:

They'll search you when you try to open a current account, so decline or not depends how good your file is at the moment.

If they accept you they may give you an overdraft (Halifax do pre-approved) but some may search you again for one when you request it (that's why people say it's best to get a current account and wait 6 months (and use the account) before requesting - that way they use an internal history instead/as well). If you get a basic account (that won't be credit scored) you can't have an overdraft. Sucks...Natpest have given me one (but decided they don't want to put it up!) but Halifax won't give me anything! :mad:

Overdrafts are really bad for your file by the way. I use mine for betting and my file is going to be trashed because of it.... I'm hoping the appeals process might save me.... but I can no longer say I've got 4k in an ISA or whatever, because the interest on that was shocking so I took it out!

usedandabused

kerryberryboo wrote: »

I've a question - although not completely relating to sub prime credit cards.:p
If I wanted an overdraft facility and my current bank account won't allow me to have one on my account - can I open an account with BOS/Halifax who would let me? Or would this be another decline and search on my credit file? :eek::eek:
Not really happy with the clydesdale bank - got a dual function card but no overdraft, been with them for 6 years, before that it was the Lloyds TSB who were worse!
Just looking for a bit of info and advice.

Off to listen to some Gaga! :rotfl::rotfl::rotfl:

they will credit check you mate, doesn't mean it will be a decline UNLESS you have 'adverse' data.

Gaga? you have taste, gag ohh la la, gaga oooh la la :T

usedandabused

Zack1 wrote: »

They'll search you when you try to open a current account, so decline or not depends how good your file is at the moment.

If they accept you they may give you an overdraft (Halifax do pre-approved) but some may search you again for one when you request it (that's why people say it's best to get a current account and wait 6 months (and use the account) before requesting - that way they use an internal history instead/as well). If you get a basic account (that won't be credit scored) you can't have an overdraft. Sucks...Natpest have given me one (but decided they don't want to put it up!) but Halifax won't give me anything! :mad:

hey zack

why wont halifax give you an OD?

spiritual1_2

kerryberryboo wrote: »

I've a question - although not completely relating to sub prime credit cards.:p
If I wanted an overdraft facility and my current bank account won't allow me to have one on my account - can I open an account with BOS/Halifax who would let me? Or would this be another decline and search on my credit file? :eek::eek:
Not really happy with the clydesdale bank - got a dual function card but no overdraft, been with them for 6 years, before that it was the Lloyds TSB who were worse!
Just looking for a bit of info and advice.

Off to listen to some Gaga! :rotfl::rotfl::rotfl:

clydesdale do fancier current accounts with OVERDRAFTS ud simply apply for them depends who attractive u are............credit wise if uve a good file 1001 banks let u open accounts online with good overdrafts etc

if uve any nasties best give up although i posted a handy PAYPAL tip (which i in no way reccomend anyone doing) for cash advances without the stygma of them bein cash advances

:A

kerryberryboo

Zack1 wrote: »

They'll search you when you try to open a current account, so decline or not depends how good your file is at the moment.

If they accept you they may give you an overdraft (Halifax do pre-approved) but some may search you again for one when you request it (that's why people say it's best to get a current account and wait 6 months (and use the account) before requesting - that way they use an internal history instead/as well). If you get a basic account (that won't be credit scored) you can't have an overdraft. Sucks...Natpest have given me one (but decided they don't want to put it up!) but Halifax won't give me anything! :mad:

Ok.... applying........


Hmmmmm

said yes I do want an overdraft......:rotfl:

Now it says thank you, gives me a sort code and account number, asks me to register for online services, then says it will send me a password manually within next few days.:cool:

What does this mean? Have I got an account with overdraft with them????:o

Can it really be this simple!?!?!?

My credit file is not perfect but it's alright, one old default sitting there on it. Lots of green 0 recently.

kerryberryboo

usedandabused wrote: »

they will credit check you mate, doesn't mean it will be a decline UNLESS you have 'adverse' data.

Gaga? you have taste, gag ohh la la, gaga oooh la la :T

Of course I have a good taste, that's how I managed to get into silly debt - lots of nice clothes and pretty underwear doesn't come cheap you know!!! :rotfl:

usedandabused

kerryberryboo wrote: »

Of course I have a good taste, that's how I managed to get into silly debt - lots of nice clothes and pretty underwear doesn't come cheap you know!!! :rotfl:

:T:rotfl::rotfl::p

kerryberryboo

Anyway!!! *blushing* lol

So have I managed to open an account or is this what it says to all the girls?

:j

seeya23

kerryberryboo wrote: »

Ok.... applying........


Hmmmmm

said yes I do want an overdraft......:rotfl:

Now it says thank you, gives me a sort code and account number, asks me to register for online services, then says it will send me a password manually within next few days.:cool:

What does this mean? Have I got an account with overdraft with them????:o

Can it really be this simple!?!?!?

My credit file is not perfect but it's alright, one old default sitting there on it. Lots of green 0 recently.

who the account with ???

kerryberryboo

seeya23 wrote: »

who the account with ???

Applied for a BOS/Halifax account - I mean surely they can't give me a sort code and account number if I haven't been accepted??

*fingers crossed*