Overdraft

wills7

I'm not sure if this is the right board but here goes. I have had my current account with RBS for 5 months now. My credit history isn't great but i would really like an overdraft. Every time i apply on the internet i get turned down. I had one with my old account (Barclays) but can't get one now. I've never been overdrawn unauthorised in my new account and i pay in over £2000 a month with my wages. Any idea of what i'm doing wrong?

mparter

Try going into your branch and asking. They turned me down for a loan online but when I went into my branch a few weeks later, they approved an even bigger loan!

wills7

Thanks i'll try that, i suppose i could threaten to move my account to another bank if they don't give me one.

jonesMUFCforever

wills7 wrote:

Thanks i'll try that, i suppose i could threaten to move my account to another bank if they don't give me one.

Not a good idea if your credit history is not A1!

gazza975526570

Perhaps you just dont seem a worthwhile risk to them at the moment with the increased levels of bad debt.

Have you asked them?

wills7

i have a mortgage, doed that make any difference?