I've been with Natwest since 2012 now and a few weeks ago i attempted to upgrade to a student bank account, problem is, i was declined... i will admit, i abused my credit rating when i was 18 and that is probably why i was declined but considering i hadn't been fully accepted for the student loan at that point is there any way around it?? i kind of need the overdraft because i really don't want to have to borrow money from my parents