rbs royalist gold acc

amberspy

ive been with rbs about 4 yrs at first had basic acc as had bad credit in past ,kept my account in good nick etc and was upgraded to rbs royalist gold acc ,aware is is current acc? i can use at pay at pumps etc but still cant get overdrafts if i cant get overdraft its pointless going for credit card ,not sure why this is happening ,any advive be grand

BugsyBrowne

amberspy wrote: »

ive been with rbs about 4 yrs at first had basic acc as had bad credit in past ,kept my account in good nick etc and was upgraded to rbs royalist gold acc ,aware is is current acc? i can use at pay at pumps etc but still cant get overdrafts if i cant get overdraft its pointless going for credit card ,not sure why this is happening ,any advive be grand

Well the way they look at is they're taking no risk with you by not offering you any credit facilities while you pay them money for their account.

amberspy

BugsyBrowne wrote: »

Well the way they look at is they're taking no risk with you by not offering you any credit facilities while you pay them money for their account.

yeah u got a point
but pay at pump is sort of credit thing ,i can put 100 in my tank if ive no money in my acc but ive never done this

BugsyBrowne

amberspy wrote: »

yeah u got a point
but pay at pump is sort of credit thing ,i can put 100 in my tank if ive no money in my acc but ive never done this

Keep the account in good order as banks internal scoring changes from month to month so hopefully it won't be long before you lose the high risk profile and starting off with a low OD might be possible.