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abbey internal scoring on current accounts
jw30
Posts: 65 Forumite
I popped in the bank pay in some money my account has prefered overdraft rate with no overdraft? the girl who set it up asked very few questions sign here and here and that was it. I asked about going for in credit rate if i pay in over a grand.
She said cannot reverse it, I said can I upgrade my electron card again she says your score is 618 and typically we can give you a full debit card! we will see!. Systems down updating etc so I signed an application form PAPER! let you know on that one will ring you she says!.
What sort of internal score would I need with them for an overdraft or a credit card? Pre-approved like?
She said cannot reverse it, I said can I upgrade my electron card again she says your score is 618 and typically we can give you a full debit card! we will see!. Systems down updating etc so I signed an application form PAPER! let you know on that one will ring you she says!.
What sort of internal score would I need with them for an overdraft or a credit card? Pre-approved like?
Bank Account: Abbey No Overdraft & Electron!, Lloyds TSB Premier,
Credit Card: Vanquis Limit £250, Sygma £400, Captial One £200
Catalogues: Freemans Limit £200
Jacamo Limit £1000
Marshall Ward Limit £200
Mobile: 3 network £20 pm x 24mths, Vodafone £35pm
Credit Card: Vanquis Limit £250, Sygma £400, Captial One £200
Catalogues: Freemans Limit £200
Jacamo Limit £1000
Marshall Ward Limit £200
Mobile: 3 network £20 pm x 24mths, Vodafone £35pm
0
Comments
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I have a 2.5k overdraft and my internal score is in the 500'sBank 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 01.07.100 -
Sorry to be rude but what sort of through put do you put in?
Or Account Turn over?
Mine goes to £1200 last few months, but whenever I ask about an overdraft they say no!Bank Account: Abbey No Overdraft & Electron!, Lloyds TSB Premier,
Credit Card: Vanquis Limit £250, Sygma £400, Captial One £200
Catalogues: Freemans Limit £200
Jacamo Limit £1000
Marshall Ward Limit £200
Mobile: 3 network £20 pm x 24mths, Vodafone £35pm0 -
Hi Guys
I applied for an Abbey Bank account last May and they couldnt give me one due to no credit history - they offered me the Basic Account with a Cash card and said if run properly I could apply for an upgrade in 4 months to a Bank Account with debit card and overdraft as my scoring would improve
So come Sept I walk in a branch with ID and they approve me for a Bank Account - (even though I paid in on average £1500+ month, no overdrawn etc...) still only gave me the Electron Card no overdraft
What annoyed me the most is when I opened the Basic Account they said I would build up credit scoring with them...this is not the case.
Now that I have the Bank Account (Electron Card) I have to wait for 6 months to apply for the Full Debit Card & Overdraft etc..
Not too happy with Abbey but will wait until the 6 months and if they dont offer me better facilities I am off elsewhere0
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