New The Citibank Club

BONJOEY

Prob The Weather It Prob Got Damaged On Transit

jonathon

Haveing read with interest about city bank i have applied. I have a very poor credit record (1 ccj and lots of defaults) at the moment i have a Alliance & Leicester basic account.
funny thing i have a mortgage a credit card and i but company shares with Halifax but thay wont give me a current account so fingers crossed with city bank.

2hapennys

Hi
After reading through this thread (thanks computerwoman for the advise)
i decided to apply for a city bank account, i have a very bad credit history no ccj;s but a few defaults, and cant get accepted for a debit card anywhere. I have one now but i am trying to reclaim bank charges, and my bank usually close the account after, so i need a parachute account, applied to Halifax, but just got a cashcard which isnt much use at all. Sent my id's off last saturday, anyone have any idea how long it will take, and if i have a cat in hells chance of getting this account?

BONJOEY

Good Luck All

khurammm

computerwoman wrote:

what is this interest rate citi are talking about, call me dumb but I've only ever had 1 current account and I never really used it, and it was a very long time ago, do we pay interest on the money we have left in the bank to them or do they pay us interest on the money we have left in the bank. just wondering. doh, think I should re-name myself homer.

Hi CW you get interest on the money which you have deposited in your current account and you have to pay interest on any overdraft you have utilised. The rates are usually stated in per anum terms.

khurammm

computerwoman wrote:

A/1 every month you 'll receive a statement showing all the transactions you've made. your statement will also give you 14 days notice of any interest or standard account charges before they are deducted from your current account or savings account. we like to tell you when we have services or accounts that migth be of interest. this means that occasionally you may receive a letter, call or email, if you'd rather not receive any of these updates just let us know by calling citiphone banking or by sending a message to us through citibank online.

A/2 yes

A/3 yes

A/4 yes

A/5 receiving money into your account e.g. wages benefits
your account name
your account number
your sort code
your bank address:
citibank international plc.
citigroup centre,
19th floor,
canada square,
canary wharf,
london,
E14 5LB
this is the easiest way to put money in to your account.

CW can you plz tell me some other way than paying in the salary into the account, e.g if I want to deposit money into my account 2-3 times in a week then what is the best and fastest way.
Also tell me if that I shift to the access account will I still get the monthly statement as most basic bank accounts issue statement quaterly only.

frodo_baggins_2

2hapennys wrote:

Hi
After reading through this thread (thanks computerwoman for the advise)
i decided to apply for a city bank account, i have a very bad credit history no ccj;s but a few defaults, and cant get accepted for a debit card anywhere. I have one now but i am trying to reclaim bank charges, and my bank usually close the account after, so i need a parachute account, applied to Halifax, but just got a cashcard which isnt much use at all. Sent my id's off last saturday, anyone have any idea how long it will take, and if i have a cat in hells chance of getting this account?

Well done for applying, I to dont have a very good credit history, no ccj's but I have 1 default and banks normally laugh when I apply for anything. Regarding how long it take's, it's took about 12 days from when I sent the info off they wanted, 3 days later got my council tax and phone bill back and the pin number's arrived this morning, I didnt ask for a overdraft plus my wages are going to be paid in so that may have helped. In my opinion you have a good chance of getting accepted. good luck.

khurammm

I think that they have really tightened their acceptance procedure now and its going to be like any other bank current account ie they are going to have proper checks and every thing.
If you get rejected its worth to do an appeal if they allow so.

angel16

hello just to let you know i am now a fully paid up memeber of the citibank club:j . my pins came yesterday and my card came today not sure if it a 2in1 or 3 in 1 .not got my welcome pack yet so i dont know if i got an over draft ect.im not sure who i got the info from to apply but thank you to all those that have poted info about citibank. big kisses an hugs to all of you. dont worry if your still waiting mine has took a month to come through ,a lot have applaied hang in there youll get it
ive had ccj and defaults and i cant even get a credit card for some one with bad credit lol and i got the account fine so hang in there x


ps thank you martin ,thanks to your web site and the nice people who post on here i have a new account and card .am claming my charges back ,given up smoking and my friends also claimed there charges back lol :rotfl:
sorry for goin on thank you all soooooooooooo much xxx
angel:money: :beer: :j :rotfl: :T

[Deleted User]

My PIN's came today so my card and welcome back mustn't be far behind.

At first I thought it was one of thoughs letters saying you have not been accepted blah blah...