We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide

Halifax want to upgrade my basic account

MISHEL02
MISHEL02 Posts: 422 Forumite
in Budgeting & bank accounts
I have a basic bank account with Halifax which I have had for 2 years with no problems everytime i go into the bank they bug me to upgrade to a real bank account

i have a bad credit rating and i do not want an overdraft so is there any point? I am sure they credit check you?

Thanks for the help
2010
2 BAGS OF HORSE POO, SOCKS, 32" TV, BOOKS, DVDS, TRIP TO NEW YORK OMG, HALO N HORNS GOODY BAG, MCAINS GARDEN GAMES, 6 MONTHS IAMS CAT FOOD

Comments

  • Sharon87
    Sharon87 Posts: 4,011 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Just ignore them, they only want to do this because they can try and sell you the Ultimate Reward Account or Credit Cards.

    I remember them pestering me saying my account was pretty much useless! I didn't care as I had a student account at the time
  • stclair
    stclair Posts: 6,855 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    If you have a bad credit rating theres no point its just a sale pitch to try and sell you stuff.

    If you went ahead youd only be wasting your time if your credit history is adverse as you most likely be declined anyway.
    Im an ex employee RBS Group
    However Any Opinion Given On MSE Is Strictly My Own
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 353.6K Banking & Borrowing
  • 254.2K Reduce Debt & Boost Income
  • 455.1K Spending & Discounts
  • 246.7K Work, Benefits & Business
  • 603.1K Mortgages, Homes & Bills
  • 178.1K Life & Family
  • 260.7K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture