bad credit rating and can't open a second nationwide debit card account

dave030445

Hi all just because ive got bad credit why should it stop me opening a debit card account ive already got a account with nationwide and wanted another with nationwide or upgrade this account. I was applying online will it help if I go into the branch or will I get the same answer. I really don't see what the problem is its not as if iam asking for a loan or overdraft any help will be greatly appreciated

Lith

When you say... 'Bad Credit' such as what? details would be nice...


a Person who owes 800 on a credit card is bad... but someone who owes 8000 is another matter.. lol

so what exactly type of 'Bad Credit' you have?

pmduk

You can go overdrawn with debit cards. They're issued subject to status.

Fruit_and_Nut_Case

dave030445 wrote: »

Hi all just because ive got bad credit why should it stop me opening a debit card account ive already got a account with nationwide and wanted another with nationwide or upgrade this account. I was applying online will it help if I go into the branch or will I get the same answer. I really don't see what the problem is its not as if iam asking for a loan or overdraft any help will be greatly appreciated

So what did Nationwide actually say? "You've got Bad Credit - GO AWAY!" Or something else?

pmduk

Why not apply for a basic bank account elsewhere, IIRC all except Santander issue debit cards on these accounts.

dave030445

Fruit_and_Nut_Case wrote: »

So what did Nationwide actually say? Suppled we are got Bad Credt AWAY!" Or something else? /QUOTE]

Hi I applied online and all it said was. Due to the information you have supplied we are unable to proceed any further. would It help if I went into nationwide

agrinnall

I very much doubt whether anyone in a Nationwide branch will have the power to override a decline decision. Your best bet is to get your bad credit issue resolved then try again, either at Nationwide or elsewhere.

dave030445

Thanks all but what is it with debit cards and bad credit you can only spend the money you have got not after a overdraft.

YorkshireBoy

dave030445 wrote: »

Thanks all but what is it with debit cards and bad credit you can only spend the money you have got not after a overdraft.

It's entirely possible to create an unauthorised overdraft through account abuse.

jonesMUFCforever

If your credit rating is bad and you already have an account with Nationwide they are perfectly within their rights to refuse a second account because it will cost them to run with no gain for them.

colsten

dave030445 wrote: »

Thanks all but what is it with debit cards and bad credit you can only spend the money you have got not after a overdraft.

You are wrong there. You can spend more than you have, and you can get overdrawn.

There may be other solutions to your requirement than a 2nd account. Why do you want a 2nd account?