Bank thinks i'm still a student!

EmmaJ_3

I had a HSBC student account for 6 years whilst at uni, worked up to a £2000 interest-free overdraft. I graduated this summer and was expecting it to continue, then the HSBC overdraft fiasco happened, so I opened a graduate account with RBS instead who did give me a £2000 interest-free overdraft. I applied in July, showed them graduation certificates, gave details of my new employer etc, and had assumed that I had a graduate account with them.....however I've just noticed on my statement this month that it says 'Account: STUDENT CURRENT'. I hadn't noticed this until now.

Should I notify them of this?? It's their mistake not mine, if they still think I'm a student and don't put me on to a graduate account next year, then surely I'll keep the £2000 interest-free overdraft rather than it reducing to £1500 for Year 2??? Am I being really naughty not telling them now I've spotted it?? It's not a major problem for me, as I have the £500 I should need to pay back next year stashed in an ISA, but if they'll let me keep it for longer I won't complain!

I do also still have my HSBC account, as I didn't close it, I paid off the overdraft from the RBS account when it was opened, and then when HSBC announced they reinstated £1500 interest-free overdrafts, I took out £1500 from it and stuck it in the ISA.

Should I just stay schtum?

emma396

yes!! u techincally haven't done anything wrong.