santander 123, and online exclusive balance transfer cc

leeroy2009

been with Santander 123 account for about 7 months.

they would not allow me a overdraft, I have also asked twice for a overdraft and they refused, and every now and then id try and apply for a overdraft in online banking but always refused.

they also refused me a credit card car about 4 to 5months ago.

last night I once gain applied for a overdraft online, just £50, I instantly got a text message with a code and had been accepted for a overdraft

I then got cheeky and asked for a £1000 overdraft and bang another txt message to confirm the £1000

I then got cheeky again and asked for a £2000 overdraft and bang yet another txt message with the confirmation code

well I now have a £2000 overdraft limit (I stopped going higher lol)

well I don't actually need this overdraft so ill reduce it soon.

now that there letting me have this overdraft, what are the chances of getting the online exclusive credit card?

already have 5 credit cards with a combined limit of £13700, using a total of £4600 on existing transfers.

cheers

leeroy2009

just a quick update. I recently tried the soft search on here and elsewhere and its coming back at 0% chance for everything, this probably has something to do with the 3 credit cards and 6 bank accounts ive opened over last 7 months or so.

I did ring Santander to see if there was any pre approved offers and they said no, they said I had a very high behaviour score but a credit card application would go thorugh Experian and would not be done on there own internal score.

I think ill just leave it for now and maybe apply in a few months time

reclusive46

leeroy2009 wrote: »

just a quick update. I recently tried the soft search on here and elsewhere and its coming back at 0% chance for everything, this probably has something to do with the 3 credit cards and 6 bank accounts ive opened over last 7 months or so.

I did ring Santander to see if there was any pre approved offers and they said no, they said I had a very high behaviour score but a credit card application would go thorugh Experian and would not be done on there own internal score.

I think ill just leave it for now and maybe apply in a few months time

Have a check on your online banking. Log in and click my offers. Sometimes they have separate guaranteed card offers in there.

leeroy2009

no offeres in there either mate but I do keep checking cheers