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overdraft
hannah-amy
Posts: 1 Newbie
in Credit cards
I have got an appiontment to apply for an overdraft with my bank, halifax, on friday. Im am a full time student at university, i have a job which i get around £500 a month, but as i work extra shifts i generally comme out with some more money. I also get my student loan which will come through in january and then in april. how likely am i to recieve an overdraft and how much do you think i would be able to get?
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Comments
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They'll ask why you need an overdraft if you have a job and your student loan. Whether you'll get one depends on what your income and outgoings are.0
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Is it a student account that you apply for an overdraft for?0
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In that case why go to a branch to apply unless they will stitch him up with other services he probably does not need or want?
An overdraft can be done online or by phone - no need to go in.0 -
IMO it's an over-categorical statement.YorkshireBoy wrote: »... nobody wants a facility that costs (up to) £31 a month, regardless of debit balance, surely?0 -
jonesMUFCforever wrote: »In that case why go to a branch to apply unless they will stitch him up with other services he probably does not need or want?
An overdraft can be done online or by phone - no need to go in.
If it is a student account the overdraft has to be changed in branch. Cant be done over the phone. Not sure about online.''Before you diagnose yourself with depression or low self-esteem, first make sure that you are not, in fact, just surrounded by a$$holes.'' :whistle:0 -
Is there a reason why it cannot be done over the phone?HoneyAndLemon wrote: »If it is a student account the overdraft has to be changed in branch. Cant be done over the phone. Not sure about online.0 -
jonesMUFCforever wrote: »Is there a reason why it cannot be done over the phone?
Because Halifax like to make things awkward.
Really though, I have no idea. Been that way since it moved onto Lloyds platform. Must be the way Lloyds used to/still do things.''Before you diagnose yourself with depression or low self-esteem, first make sure that you are not, in fact, just surrounded by a$$holes.'' :whistle:0
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