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Moving from sub-prime to mainstream

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Comments

  • callum9999
    callum9999 Posts: 4,436 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Innocent_Guy wrote: »
    I think for the Student credit card you have to apply in branch with a personal banker. They will have all the info there matey :beer:

    Oh right, shame I'm in Australia then!

    I guess the upside is the longer I wait - the better my credit history gets!
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    callum9999 wrote: »
    Oh right, shame I'm in Australia then!

    I guess the upside is the longer I wait - the better my credit history gets!

    Exactly, HSBC assign you a number on the first Monday of every month. This is known as your Behaviour Score. The higher your BS is the more facilities that can be offered to you.
    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
  • callum9999
    callum9999 Posts: 4,436 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Innocent_Guy wrote: »
    Exactly, HSBC assign you a number on the first Monday of every month. This is known as your Behaviour Score. The higher your BS is the more facilities that can be offered to you.

    Thanks thats useful to know. Would that have started when I joined (about 10 years ago) or when I took out the student account? I guess I could also make regular payments on my overdraft in that period of time increasing it further (plus it would be nice to start the course with the full overdraft available).
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    callum9999 wrote: »
    Thanks thats useful to know. Would that have started when I joined (about 10 years ago) or when I took out the student account? I guess I could also make regular payments on my overdraft in that period of time increasing it further (plus it would be nice to start the course with the full overdraft available).

    They would have started scoring you at 16years old. TBH you shouldn't have used the overdraft if you are not at uni yet! What are you going to do for cash when you start? :eek::eek::eek::eek:
    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
  • callum9999
    callum9999 Posts: 4,436 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Innocent_Guy wrote: »
    They would have started scoring you at 16years old. TBH you shouldn't have used the overdraft if you are not at uni yet! What are you going to do for cash when you start? :eek::eek::eek::eek:

    I have plenty of money - I just had a 500 pound overdraft sitting there doing nothing so I thought I might as well use it!
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    callum9999 wrote: »
    I have plenty of money - I just had a 500 pound overdraft sitting there doing nothing so I thought I might as well use it!

    If you got the cash, top your account up and bring it into a positive balance. Then go into branch and apply for the Student card :D

    The HSBC credit card looks quite nice aswell
    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
  • callum9999
    callum9999 Posts: 4,436 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Innocent_Guy wrote: »
    If you got the cash, top your account up and bring it into a positive balance. Then go into branch and apply for the Student card :D

    The HSBC credit card looks quite nice aswell

    Yeah I will do.

    Thats exactly what I thought as well - far better than my weird Vanquis card.
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