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Refused Student Overdraft!

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calvie
calvie Posts: 4 Newbie
in Budgeting & bank accounts
The co -op bank isn't allowing me to get an overdraft. I don't understand why... my brother got one. He was in exactly the same position as me.

Comments

  • calvie
    calvie Posts: 4 Newbie
    lippy1923 wrote: »
    What exactly is your position?

    I never had anything on credit before. But neither did my brother. Most students who are 18 don't have anything on credit.
  • reclusive46
    reclusive46 Posts: 2,698 Forumite
    The same thing happened to my brother. He got a sim only contract out with Three for 1 month. That was enough and they accepted him when he tried again
  • pcombo
    pcombo Posts: 3,429 Forumite
    Try RBS they normaly give you a £1250 student overdraft to start with.

    At the time i had quite a poor history and i got it, Was quite surprised.
  • calvie
    calvie Posts: 4 Newbie
    pcombo wrote: »
    Try RBS they normaly give you a £1250 student overdraft to start with.

    At the time i had quite a poor history and i got it, Was quite surprised.

    RBS is who I ended up with. The bonus is I get a rail card and a month free bus travel. I was also given their student credit card with OD of 500. Not sure if i will use that though!
  • pcombo
    pcombo Posts: 3,429 Forumite
    calvie wrote: »
    RBS is who I ended up with. The bonus is I get a rail card and a month free bus travel. I was also given their student credit card with OD of 500. Not sure if i will use that though!


    lol So you complain you get refused an OD, You get one with RBS and dont want to use it.

    I dont get it.
  • calvie
    calvie Posts: 4 Newbie
    pcombo wrote: »
    lol So you complain you get refused an OD, You get one with RBS and dont want to use it.

    I dont get it.

    Sorry should have made that clearer. I don't want want to use the credit card - has 54 day interest free OD. I will however use the OD on the student account.
  • sammi.jo
    sammi.jo Posts: 44 Forumite
    pcombo wrote: »
    lol So you complain you get refused an OD, You get one with RBS and dont want to use it.

    I dont get it.

    I don't know if that's a brain-fart, because I gathered he meant credit limit of £500!
    :beer: A student and debt-free since March 2011! :beer:
  • pcombo
    pcombo Posts: 3,429 Forumite
    sammi.jo wrote: »
    I don't know if that's a brain-fart, because I gathered he meant credit limit of £500!

    Is there really a point to you, making time and thinking or something sarcastic to say.

    Really.
  • sammi.jo
    sammi.jo Posts: 44 Forumite
    pcombo wrote: »
    Is there really a point to you, making time and thinking or something sarcastic to say.

    Really.

    What on EARTH are you on about? I implied that he had a brain slip and said OD of £500 instead of credit limit of £500. Jesus.
    :beer: A student and debt-free since March 2011! :beer:
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