BoS Reward Account

bbelt

im interested in applying for one of these and getting £5 a month for paying in a balance of £1k. I will not be applying for an overdraft.

can anyone advise if they are hard to get accepted for? i have 2 current accounts elsewhere and no overdrafts (currently working hard to be debt free, overdrafts were first to go!)

my credit ratign is still very low, what are the chances of me being accepted for this account?

If they are slim then i would rather go without the search on my file....

samjef11_2

bbelt wrote: »

im interested in applying for one of these and getting £5 a month for paying in a balance of £1k. I will not be applying for an overdraft.

can anyone advise if they are hard to get accepted for? i have 2 current accounts elsewhere and no overdrafts (currently working hard to be debt free, overdrafts were first to go!)

my credit ratign is still very low, what are the chances of me being accepted for this account?

If they are slim then i would rather go without the search on my file....

If your credit file is low then they would most likely to decline your application to open a halifax/bank of scotland reward account as they will do a search.

bbelt

even when im not applying for credit?

i got my Santander premier direct current account when my finances were in a worse state?

samjef11_2

bbelt wrote: »

even when im not applying for credit?

i got my Santander premier direct current account when my finances were in a worse state?

You can have a go at opening the account if you like and see if your application if approved.

Azrael_1701

bbelt wrote: »

even when im not applying for credit?

i got my Santander premier direct current account when my finances were in a worse state?

Whether you're applying for credit or not, you will still be credit scored as that kind of account can still have credit put on at any time.

samjef11_2

Azrael_1701 wrote: »

Whether you're applying for credit or not, you will still be credit scored as that kind of account can still have credit put on at any time.

That is correct too

bbelt

samjef11 wrote: »

You can have a go at opening the account if you like and see if your application if approved.

read the original post please

bbelt

thanks for your replies.

I decided just to go for it as i hadnt had any searches on my file for a while and as i said earlier i was accepted for an A+L account when in a worse state.

I was accepted for the account.