Likelihood of max overdraft from HSBC

Malware

What sort of credit score do you guys normally have, on average, to get the 3K O.D from HSBC? Do they consider any other factors, aside from your credit score?

Also, being a bit cheeky here, has anyone had two student bank accounts, getting higher overdraft facilities that way? I phoned up Halifax and they literally have no requirements and are OK with a second Student account elsewhere.

I don't need to put money in there at all, even the SLC payments are not required. This is why I was thinking of opening a HSBC student account, and at the same time, switching my Halifax current into a student one.

This, however, goes against HSBC's T&C. How would they find out though if the SLC payments still go to HSBC and everything's pretty much the same?

popadom

Hi.
I don't know my credit score, but I always paid bills on time and didn't have a credit card/ loans. I was given £1250. I was told I could apply for more but I never bothered as the amount was more for buffering while I wait for my loan than to live off. I was also given a credit card with a £500 limit. I only use it when I buy technology to get extra protection .

agrinnall

No lender takes your credit score into account because it is a meaningless number. What they take into account is your credit record, with them if you are an existing customer, and to a greater or lesser extent with the Credit Reference Agencies.

malware_2

thank you,

so what exactly is it that I can do to increase my chances of getting a higher overdraft then?