HSBC - What Overdraft Limit did you guys get?

Just got my accounts setup and activated, so far I have:
- £750 Overdraft
- £500 Credit Card Limit
(Total of £1250 of credit from the bank)

What did you guys get for your first year and how much did it go up by for your second year?

If anyones wondering, I probably won't even go into the O.D. first year and will spend around ~£200p/m on the CC to build a credit history.

I opened up a student account today and chose to go for the maximum £750 overdraft too. I didn't get asked if I wanted to open a CC, but had I have, I would have said no.

Why's that? Easy way to build credit, have purchase protection and give yourself time for payment.

I've got over £4k on my four credit cards and £2k on my student account, with the co-op. Which they are trying to shut down because i have finished my degree, darn?!

Damn man, suppose that's the way it goes. Checked out MSE's guide for a grad account? Probably something good up there?

Why do you have 4 cards lool? Just more stress, some cards have pretty high limits, heard of Lloyds Platinum going from 10k into 30k range (google).

Why's that? Easy way to build credit, have purchase protection and give yourself time for payment.

Personally don't see the need, would rather not bite off more than I can chew.

Does anyone know if you have to pay money into your account before using your overdraft?

Damn man, suppose that's the way it goes. Checked out MSE's guide for a grad account? Probably something good up there?

Why do you have 4 cards lool? Just more stress, some cards have pretty high limits, heard of Lloyds Platinum going from 10k into 30k range (google).