HSBC Behaviour score

DanDan123

Am i right in thinking that Applications for a credit card/Loans are credit checked rather than being based on your behaviour score?

I have a Plus account with a small £200 overdraft, and have had the account for 2 months with my salary paid in (if any of that helps)

Thanks

ShelfStacker_3

DanDan123 wrote: »

Am i right in thinking that Applications for a credit card/Loans are credit checked rather than being based on your behaviour score?

One or both, depending on your standing with the bank. It's really impossible to say.

TighterThanTwoCoatsOfPain

brookerbabyisababy wrote: »

I wonder if an company like HSBC would share its information with First Direct as it is owned by the same people.

_Andy_ wrote: »

No, different companies.

I know this is ooooold, but would not automatically agree..

I know for a fact that First Direct employees have immediate access to HSBC accounts at transaction level. Some will deny it, some will speak to you about it.

As well as a few times years ago, my most recent experiance of this is when i switched my mortgage to them last year. Myself and partner have current accounts with FD, and also HSBC. One lot of wages goes into FD, the other to HSBC.

We didnt have to send in wageslips as they just checked both sets of accounts there and then and quizzed us on any large transctions which had gone from either FD ro the HSBC account.

brookerbabyisababy

TighterThanTwoCoatsOfPain wrote: »

I know this is ooooold, but would not automatically agree..

I know for a fact that First Direct employees have immediate access to HSBC accounts at transaction level. Some will deny it, some will speak to you about it.

As well as a few times years ago, my most recent experiance of this is when i switched my mortgage to them last year. Myself and partner have current accounts with FD, and also HSBC. One lot of wages goes into FD, the other to HSBC.

We didnt have to send in wageslips as they just checked both sets of accounts there and then and quizzed us on any large transctions which had gone from either FD ro the HSBC account.

yes I have heard that as well. apparently they use the same computer system as they are part of the same group.

ShelfStacker_3

HSBC employees can access some FD data from in branch, so I'm guessing that a reciprocal arrangement exists - although frankly, FD should have little use for such things, as they don't directly deal with HSBC customers as such.

brookerbabyisababy

it's my understanding that if you have an account with both fd and hsbc, then you all have one behavior with the group. which from their pov is sensible. also the t&c's actually say hsbc group. as both belong to group it doesn't really matter.

debster369

noah271007 wrote: »

You will have a behaviour score with HSBC...all the customers have one with HSBC. Why don't you go in and find out? It is on the screen when they type your account details.

Not all customers have one, a basic bank account customer doesn't have one. Upgrading to a current account is subject to a credit scored application

milfordmadness

debster369 wrote: »

Not all customers have one, a basic bank account customer doesn't have one. Upgrading to a current account is subject to a credit scored application

We have been told by HSBC employee everyone (inc basic) has behaviour score.... maybe SS can clarify? :beer:

debster369

milfordmadness wrote: »

We have been told by HSBC employee everyone (inc basic) has behaviour score.... maybe SS can clarify? :beer:

Sorry, whoever told you that is incorrect. Basic Bank Account customers definitely don't have a behaviour score.

milfordmadness

debster369 wrote: »

Sorry, whoever told you that is incorrect. Basic Bank Account customers definitely don't have a behaviour score.

Makes sense that they wouldn't but I read in another thread on here that they did, so as to ascertain when to upgrade you, or rather if to upgrade you...? Thanks for clearing it up...