Santander - My Offers Page

modder25

Hi All,


Sorry if this is in the wrong forum page.


I have banked with Santander for nearly 2 years now and there is an icon on the online banking page when you are logged in which says "my offers" since I have had the account there has never been anything there other than a savings option.


I have a CCJ which is due to expire this November so this is probably why there has never been anything there. They wouldn't give me an overdraft when I opened the account either.


However since last week there has been a personal loan option as well as the savings option too. I am not in any need for credit and wouldn't dare apply whilst the CCJ is still on my file (this is the only negative thing on my file) and obviously it says subject to acceptance on it too.


I was just wondering whether anyone knew if this meant that the bank now think I am a low risk and have put it in 'my offers' because I may be accepted or am I thinking in to it too much?


Thanks in advance for any replies.

Monkeyballs

Morning,

I'm not with Santander but would hazard a guess that they probably see you as a safer bet if you have 2 years of history with them and have been managing your money better...

All that aside, stop before you do anything silly just because it's offering you money it doesn't mean you need to accept it! Remember you still need to pay it back so if you've done without before, ask yourself why you need it now?

MB

modder25

Thanks for your reply MB,

I have managed my money with them very well I think.

I am not in need of any credit so won't be applying just yet, just nice to know hat it may be an option if I need it in the future.

Thanks for your input

modder25

Further more to this post...

I have now started receiving emails from Santander about loans of a guaranteed rate apon 'acceptance' obviously.

Still going to wait till my CCJ drops off in November though i think before I even consider applying for any form of credit.