To close or not to close?

sacha28

Hi guys, you may remember some rantings way back about Halifax and them shafting me over a payment that should never have been made? Yeah this is nowt to do with that issue but a quick question regards my account....

Since the problems I had with Halifax I lost all trust in them and have stopped using my account at all. It has no overdraft and is currently 26p in credit :j all of my income now goes into my OH's bank account, of which I have authority but I am not named on. My question is, would it be best to just close the account and get a new basic account or let it lay dormant?

grumbler

The best is to switch it to some other account for a cashback, e.g. First Direct or Santander 123.

stclair

Personally I'd keep it as a back up account.

simax

Keep 1p in the account and keep asking for replacement cards, pin reminders and make sure you get a paper statement each month

innovate

Keep it until you find an account that you like and that pays you to switch to.

sacha28

Thanks guys, I think I'll keep it trouble is I would only get a basic account with my awful credit rating!!

rb10

If it's a current account (and not Easycash etc), then convert it into a Reward account and earn £5/month.