New account with previous BR creditor

Norscbu

I went BR back in 2007. Two of the creditors were RBS group (natwest and mint).

I'd like to apply for a new account to use as donor accounts to switch to M&S, RBS seem the obvious choice as their offerings appear to be some of the weakest right now.

Has anyone experience with this? If I apply for a basic account and I get rejected, will affect my credit rating much? It's currently 5/5 with noddle and I have 7 current accounts that I am using as savings vehicles, I've purposefully avoided the banking groups involved in my BR till now.

YorkshireBoy

Norscbu wrote: »

If I apply for a basic account

You can't apply for their basic account (Foundation). You apply for another and if unsuccessful you may be offered this one. Details on their website.

and I get rejected, will affect my credit rating much?

Why would it? Only the search is recorded, not the outcome. They don't stamp your credit report "REJECTED!"

Norscbu

Thanks, good to know.

edit: just applied and successful