NatWest Account Application

jackjones01

I applied for a select account on Sunday and during the application it presented the attached screen then on Wednesday I received a letter asking for my signature to return stating once this is received they will open the account. However I’m surprised as I have some adverse credit, could I possibly get decline letter after. 

superM

It looks like the Application has been approved.
Although there verification team can close the account if they something else. 

soulsaver

NW's ac opening system aren't a logical progression, and involve several departments - so you may still get asked for ID and then still get declined, or maybe not.

sassy_one

NatWest closing lots of accounts right now.

jackjones01

soulsaver said:

NW's ac opening system aren't a logical progression, and involve several departments - so you may still get asked for ID and then still get declined, or maybe not.

I have been a customer of NatWest for the past 16 years anyway (hold a basic account) so doubt they’ll ask me for ID they’ve just sent a letter asking for my signature to return. 

superM

I think you should be okay.  They have already done the credit check. ID should not be an issue as you are an existing customer. 

candiii

I've experienced this before; jumped through hurdles for them providing everything they requested, only to be given a decline in the end. Such is life 

george9071

In the past I have got this and had my account opened. Before they closed it for no reason like they are to a lot of people so be careful.

jackjones01

I’ll have to wait and in the past I’ve always had a straight decline even though my credit files fine, I’m just chancing it to be honest if it does end up being a decline it’s no big deal. 

surreysaver

RBS are the same (they're the same bank).  They declined me a current account, but then a debit card turned up in the post.  I applied for a RBS Reward credit card, got turned down, so applied for a NatWest one instead and got accepted.  Seems to be no rhyme or reason.

jackjones01

surreysaver said:

RBS are the same (they're the same bank).  They declined me a current account, but then a debit card turned up in the post.  I applied for a RBS Reward credit card, got turned down, so applied for a NatWest one instead and got accepted.  Seems to be no rhyme or reason.

They can be very odd reading some of the threads. I returned my signed form on Friday so hopefully I’ll hear something over the next few days.