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.
The MSE Forum Team would like to wish you all a Merry Christmas. However, we know this time of year can be difficult for some. If you're struggling during the festive period, here's a list of organisations that might be able to help
📨 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!
Refused Overdraft With RBS, Perfect Credit Rating
Comments
-
The "big bad" is not actually at HQ
There is an internal pre-scoring screen used when applying for a credit-scored products, such as an overdraft or a loan. This gives staff a very good indication of whether it would be accepted or declined and usually saves the customer from getting a credit search done unnecessarily.
I would say, in future, ring up your branch and ask them whether you are eligible for an overdraft. They can usually tell you there and then whether an application would go through or not, and if it's a small amount, can normally tell you the maximum you'd be eligible for.
Does this apply to the credit cards as well?0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.9K Banking & Borrowing
- 253.9K Reduce Debt & Boost Income
- 454.7K Spending & Discounts
- 246K Work, Benefits & Business
- 602.1K Mortgages, Homes & Bills
- 177.8K Life & Family
- 259.9K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards