Scared to switch!

diamonds

Remember HSBC M&S badged Current AC, no minimum funding with a 6% Regular Saver...you could just leave HSBC sitting doing nothing, little or a DD

http://bank.marksandspencer.com/banking/mands-current-account/overview/

http://bank.marksandspencer.com/banking/current-accounts/existing-customers/#monthly-saver

SarahLu

diamonds wrote: »

Good idea, a ISA alone is just a savings account and not reported. use HSBC for some direct debits and transfer from TSB to cover them.

When you say not reported, do you mean on a credit report? Because my current account isn't either

diamonds

SarahLu wrote: »

When you say not reported, do you mean on a credit report? Because my current account isn't either

It is a savings, only credit accounts appear, your HSBC does it have/had a overdraft ? a HSBC credit card under 6 years old ?


If you went overdrawn, authorised or not it would probably pop back up.

No_6

Yep...don't switch unless there is a cash bonus, which can be had by having a donor ie new/old account that is not used for regular banking.

Just open the new account and add DD's and payments when needed.

SarahLu

diamonds wrote: »

It is a savings, only credit accounts appear, your HSBC does it have/had a overdraft ? a HSBC credit card under 6 years old ?

.

I have an overdraft but don't use it. No credit card though

diamonds

SarahLu wrote: »

I have an overdraft but don't use it. No credit card though

Assume if you used it it would show, what credit agency does the account not show ? all of them ?

SarahLu

Not sure, I've only tried Experian. I contacted HSBC and they said its because I opened the account more than 10 years ago

diamonds

Try Clearscore, its free and uses Exquifax, Noddle is free too, uses Experian I think? Maybe someone can confirm

No_6

Noddle is very nice, shows all my credit cards and loads of closed accounts all with superb records !
but only a couple of bank accounts.
IGNORE the score though.
It means nothing