Abbey/Santander Bank Account

js78

I have had an account with Abbey since beginning of September 2009 with a rubbish electron card, now I have regularly credited money into this account most months £1200, but others £2500 now went in yesterday asked about Multi Function Card and an overdraft.

Now in January I was told my score was 618 internal. The lady said no to both yet 6 months ago they said it would be fine, new customer etc etc feels like a waste of time to be honest what steps can be done to get this card?

js78

Incidently I have never been anything other than credit balance most months £100+ min all month sometimes up to £1300 at times, one month it was £2600 I had my direct debits for my mobiles go out paid no problems as well.

daveyjp

I suspect the Vanquis card is the Albatross around your neck.

What you credit is only one side of the equation, they will also score you on how this money is spent.

pmduk

Have you tried a different bank?

telecomengineer

js78 wrote: »

I have had an account with Abbey since beginning of September 2009 with a rubbish electron card, now I have regularly credited money into this account most months £1200, but others £2500 now went in yesterday asked about Multi Function Card and an overdraft.

Now in January I was told my score was 618 internal. The lady said no to both yet 6 months ago they said it would be fine, new customer etc etc feels like a waste of time to be honest what steps can be done to get this card?

I have had the same fob-off with Santander....had the Bank account since sep 2009 tried for an upgrade to a better card and overdraft and failed on internal scoring....said I have to wait 6 months etc...if they don't offer me anything in March I am off to Barclays

Thea

My only advice is to sit tight im afraid. Im in the same boat and get the same response, come back in 6 months. Somebody else i know of eventually got a multifunction card but it took them 3 years!

I think it all depends on your credit history, you could check you experian file to see if everything is correct. But dont assume if you go to another bank they will automatically give you a better card. It all depends on your spending. Basically electron transactions are live i.e everytime you spend your balance is checked to ensure you have enough money for the purchase. Visa, maestro etc are not. Check your file and try and clear up any debts you may have.