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Bank Accounts

John_Zoro
John_Zoro Posts: 1 Newbie
in Credit file & ratings
If I have 10 Cash Card Accounts with Barclays should they show up on my credit file even though they don't have to do a credit check when you open them?

Comments

  • ~Beanie~
    ~Beanie~ Posts: 3,043 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    No, your credit file shows credit facilities, you don't have any credit available with these accounts.
    :p
  • stclair
    stclair Posts: 6,855 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    ~Beanie~ wrote: »
    No, your credit file shows credit facilities, you don't have any credit available with these accounts.

    Basic bank accounts report to credit reference agencies.
    Im an ex employee RBS Group
    However Any Opinion Given On MSE Is Strictly My Own
  • teffers
    teffers Posts: 698 Forumite
    Part of the Furniture 500 Posts
    stclair wrote: »
    Basic bank accounts report to credit reference agencies.

    I have had / have several accounts (basic and otherwise) without credit facilites and they were indeed listed on my credit report as Clair mentions.
  • MrSilk
    MrSilk Posts: 1,521 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Ten? Lol :cool:
  • ~Beanie~
    ~Beanie~ Posts: 3,043 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    teffers wrote: »
    I have had / have several accounts (basic and otherwise) without credit facilites and they were indeed listed on my credit report as Clair mentions.

    Sorry, mine certainly aren't so I assumed all were the same!
    :p
  • thebritishbloke
    thebritishbloke Posts: 1,472 Forumite
    MrSilk wrote: »
    Ten? Lol :cool:

    Why on earth would anyone need 10 cash card accounts and why would Barclays even let them open that many? Haha.
    Credit 'Score' - Don't buy the credit 'score' that Experian, Equifax and Noddle want to sell you. It's an arbitrary number that means nothing when it comes to applying for credit.

    ALWAYS HAVE A DIRECT DEBIT SET UP FOR THE MINIMUM PAYMENT ON YOUR CREDIT CARDS, REGARDLESS OF WHETHER YOU PLAN TO LOGIN AND PAY EACH MONTH.
  • MrSilk
    MrSilk Posts: 1,521 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    thebritishbloke wrote: »
    Why on earth would anyone need 10 cash card accounts and why would Barclays even let them open that many? Haha.

    Lol just what I was thinking.. Cash card account that doesn't offer any interest.. OP.. I'm curious lol
This discussion has been closed.
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