We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 <b>Have you signed up to the Forum's <a href="https://forums.moneysavingexpert.com/discussion/6612556/new-feature-get-sent-trending-forum-threads-by-email?utm_source=banner">new Email Digest</a> yet? </b>Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Current account with bad credit

May
May Posts: 170 Forumite
in Budgeting & bank accounts
Can anyone advise of a bank that will issue a current account to someone with a 'not bad' credit history but not good either.

Currently with barclays - the most unhelpful and over charging bank ever!

Comments

  • grumbler
    grumbler Posts: 58,629
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite
    May wrote:
    Currently with barclays - the most ... over charging bank ever!
    Overcharging for what? Any bank will charge you for your mistakes! Otherwise almost all current accoutns are free.
  • May
    May Posts: 170 Forumite
    The charges were for an unpaid item which I understand, but I'm worried that this has affected my credit rating. Additionally, I have had poor customer service which caused problems when buying a property so no I am looking to switch
  • Fedz
    Fedz Posts: 1,096 Forumite
    Hi May

    I have a terrible credit rating but the Halifax opened me a current account.

    I did however at first open a Halifax Web Saver account to have my wages paid into but then within 3 weeks I had my full current account with them plus a generous overdraft facility :)

    Hope this helps
    Proudly Banking & Saving With:
    █ The Co-operative Bank.
    █ Castle & Minster Credit Union.
    █ Yorkshire Building Society.
  • JanCee
    JanCee Posts: 1,241 Forumite
    Most banks only ask for 3 months statements when you transfer so if you can keep your account running smoothly for the next 3 months you should be able to transfer to any other bank without difficulty. One bounced item should'nt do any damage to your credit rating.
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 355.8K Banking & Borrowing
  • 254.9K Reduce Debt & Boost Income
  • 456.2K Spending & Discounts
  • 248.3K Work, Benefits & Business
  • 605.9K Mortgages, Homes & Bills
  • 179K Life & Family
  • 263.7K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture