I can't get a student account :(

RACHIE77

Hi everyone!

I have just applied for an account with NATWEST as there is a local branch of that nearby so will have to wait 7 days now and see what happens!!

Thanks for the advice, I was going to give up as my credit rating is really really bad at the moment! Need to keep trying I guess

Thanks

freelancemermaid

if you haven't already, go speak to the student advice centre at your uni - they can offer help in loads of situations (i'm in the one at my uni nearly every week!)

byb3

Halifax are total gimps, don't worry about it they wouldn't offer me one either and I've been a customer with them for 5 years (altho the account hasn't been used in the last 3). I'm with HSBC and they were happy enough to up my overdraft from £1750 -> £1900 recently when I had cashflow issues. Couldn't recommend them more, the 5 year railcard has saved me much more than the £50 cash offer as well....All hail HSBC!

RACHIE77

byb3 wrote:

Halifax are total gimps, don't worry about it they wouldn't offer me one either and I've been a customer with them for 5 years (altho the account hasn't been used in the last 3). I'm with HSBC and they were happy enough to up my overdraft from £1750 -> £1900 recently when I had cashflow issues. Couldn't recommend them more, the 5 year railcard has saved me much more than the £50 cash offer as well....All hail HSBC!

I've been with HSBC for about twenty years and have three accounts with them yet they wouldn't let me have a student account :rolleyes:

melancholly

did you get an account with natwest or are you still looking around for an account?

RACHIE77

melancholly wrote:

did you get an account with natwest or are you still looking around for an account?

hi melancholly, I still haven't heard back from Natwest but a lot have things have been taking their time to reach me in the post recently, there must be a bit of a backlog or something? I'm sure the site said I would receive a decision within 7 days, which I think would take me to tomorrow so hopefully I should hear soon!??

melancholly

well good luck with it..... if you haven't heard from them it may be worth giving them a ring?

bishnabob

Hi,

I'm having the same trouble here. I'm a January starter, which seems to make everything even more complicated. The student loan people seem to want to take their time, and the Halifax won't give me an account. I've not had chance to shop around yet, but if anyone has success getting a student account with a low credit score, please let me know.

This is far too stressful. I've never had to do much with my bank account or finances, and now I'm overwhelmed. Banking should be easier!

Money_saving_Martyn

Hi

When I applied for student account they approved THAT straight away. What they didn't approve is the £2750 overdraft (Halifax). I just moaned I'd go somewhere else and they gave it me - but then again I've no debts or credit score problems (that I know of).

I'm not sure calling Halifax a "gimp" really addresses the problem of what's happening!

RACHIE77

melancholly wrote:

well good luck with it..... if you haven't heard from them it may be worth giving them a ring?

I rang them and was told that the decision takes between 7 to 10 working days so that I wouldn't necessarily of heard from them yet :rolleyes: Its been 7 working days so far so have been told to wait til next Thursday!!