Nationwide expereience

mzqa395

Pop into the local branch want to reapply the basic flexaccount. Bank Manager say credit check are still require. After entering all the detail and the system offer me basic account. Manager say because I require Internet Banking thats why I accepted????

And I will soon have four account.
HSBC student account with 1250GBP 0% overdraft until 2009
Citibank Access Account
Halifax Current Account (500 GBP overdraft)
Nationwide Basic Flex Account

I will soon cancel my hsbc one I think??

techno_geek

Theres no need to cancel any accounts unless you're not really using them! But, you say you want to close your HSBC one soon... why?! Especially when you have an 0% overdraft until 2009!!

peterg1965

Why have so many accounts? It leads hugely complicated financial affairs!

mzqa395

techno_geek wrote:

Theres no need to cancel any accounts unless you're not really using them! But, you say you want to close your HSBC one soon... why?! Especially when you have an 0% overdraft until 2009!!

Because they made so many mistake me a lot of trouble (Recently they introduce fees on international student A/c) and I do not want to mention again

Tori_Bellatrix

mzqa395 wrote:

Pop into the local branch want to reapply the basic flexaccount. Bank Manager say credit check are still require. After entering all the detail and the system offer me basic account. Manager say because I require Internet Banking thats why I accepted????

And I will soon have four account.
HSBC student account with 1250GBP 0% overdraft until 2009
Citibank Access Account
Halifax Current Account (500 GBP overdraft)
Nationwide Basic Flex Account

I will soon cancel my hsbc one I think??

Hi, did you find out why you got declined the flex account originally?

The reason I ask is that I have been turned down for the flex account and when I spoke to them recently, they suggested opening the account in branch as the original application didnt process properly ..

mzqa395

Originally I did not provide 3 years address when I apply via telephone may be this is the reason I got decline. When I pop into the branch they are more relax .As long as you do not bankrupt or have CCJ they will provide you basic account although credit check is required.

techno_geek

peterg1965 wrote:

Why have so many accounts? It leads hugely complicated financial affairs!

I have 6 current accounts (for various purposes) and have no problems!

Tori_Bellatrix

mzqa395 wrote:

Originally I did not provide 3 years address when I apply via telephone may be this is the reason I got decline. When I pop into the branch they are more relax .As long as you do not bankrupt or have CCJ they will provide you basic account although credit check is required.

Thanks for the info ....

khurammm

They do full current account check even for the basic flex account.
Really good if you want to improve your credit rating as they report to the credit reference agencies on monthly basis.

mzqa395

khurammm wrote:

They do full current account check even for the basic flex account.
Really good if you want to improve your credit rating as they report to the credit reference agencies on monthly basis.

How do you know that?

khurammm

mzqa395 wrote:

How do you know that?

I can tell that from my experian credit report.