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HSBC Advance Upgrade

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Comments

  • surveyor_101
    surveyor_101 Posts: 195 Forumite
    Ninth Anniversary 100 Posts Combo Breaker
    edited 17 May 2018 at 3:26PM
    If they won't give you an advance account now dont bank with them on the basis you will get one in the future. If you pay in over 1750 a month and have a good credit history no adverse they might.

    They are the strictest bank I have dealt with. I was paying in around 3k a month for 12 months and did get an upgrade. I had to wait 6 months for a contactless card! I switched to another bank acc and when I went to shut the hsbc acc the lady said do you realise there is a note saying your eligble for advance it says here. I used the other bank for a few months and switched back. I was then told the advance bit had gone and I had to pay 10450 in the next 6 month and stay out of my overdraft which I did.

    So I was so after 4 months I had done that and I asked for the account and then they said I failed the credit scoring for that acc. I had, had no further adverse credit since I had the account so i dont understand why 12 months i was eligible and now I am not no matter how careful I am with my money. I have 250 quid overdraft and thats it.

    I havent got amazing credit but being very careful with money now and earning a good wage.
  • 18cc
    18cc Posts: 2,120 Forumite
    Not sure if you have tried it or not but you might want to consider giving a starling bank a try it is smart phone app only but absolutely excellent in my view
  • surveyor_101
    surveyor_101 Posts: 195 Forumite
    Ninth Anniversary 100 Posts Combo Breaker
    This got me thinking and I called hsbc about something unrelated. I used to go into branch and ask for upgrade.

    I asked if I was eligible for advance and the guy said yes and put me through. I asked if they needed to credit check me and he said no it;s showing Elliglble and they talked me through all the benefits and said it!!!8217;s gone through and from tomorrow it is an advance account. Get new card and access to advance benefits and all with no fees. I used to pay lloyds for a gold account and I see that nationwide charge 13 a month for flex plus.
  • Curls2208
    Curls2208 Posts: 210 Forumite
    Eighth Anniversary 100 Posts
    Wait TSB are dropping their £5 DD incentive?
  • wizzywig27
    wizzywig27 Posts: 1,536 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Curls2208 wrote: »
    Wait TSB are dropping their £5 DD incentive?

    Yup, it is only ever time limited depending on when you opened the account.
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