Current account balance when applying for credit card

book12

Does a bank account balance be taken into consideration when applying for a credit card within the same bank?

Account balance is usually in 'low thousands', and hardly in 'hundreds'.

izools

Rarely.

If you are in your overdraft, and your overdraft balance is reported on your credit file, then this will be weighted against affordability.

Other than that, no.

EDIT: Unless it is a pre-approval from your bank. This will then ONLY take into account current account conduct. The balance at the time you accept a pre-approved offer, doesn't however matter.

paulmcerlean

Made no difference to me with Lloyds. Applied for card last week, bank account balance in overdraft (christmas boo hoo) and was accepted no issues.

jonesMUFCforever

A balance on any particular day is just a snapshot of your account on that particular day , the previous day you might have been hundreds of pounds in credit the next overdrawn by the same amount.

It is the way you run your accounts over a lengthy timescale that will determine whether you get any credit facilities with them.