HSBC overdraft service

I just rang up HSBC to activate an overdraft on my student account (I'm in the second year of uni this year) and he told me I have to do it by going into the branch or I can do it online.
I cannot find anywhere on the site that allows you to apply online. Am I missing something or is it really not there?
HEEELLLLPPP

Reply 1

Ice_Queen

17

It's probably not there :p:

Go into a branch.

Reply 2

animals

9

I had to go into the branch to do mine :smile:

Reply 3

PointEffect

Login to internet banking, click on the student account, and click Overdraft on the left.

Reply 4

dimexi

16

I doubt they would just let you activate an overdraft facility online (I might be wrong, but it seems silly). Just go into the branch :smile:

Reply 5

Stray_talk

15

eckahbeckahboo

I just rang up HSBC to activate an overdraft on my student account (I'm in the second year of uni this year) and he told me I have to do it by going into the branch or I can do it online.
I cannot find anywhere on the site that allows you to apply online. Am I missing something or is it really not there?
HEEELLLLPPP

You can I believe though I've never done it myself.
Log onto personal banking, click the account you want to change the overdraft on and then click 'Amend Overdraft'

Reply 6

eckahbeckahboo

OP

Yea I thought it seemed waaaay too easy to do online

Reply 7

Stray_talk

15

Hey now, don't ignore my post completely :tongue:

Reply 8

eckahbeckahboo

OP

Stray_talk

You can I believe though I've never done it myself.
Log onto personal banking, click the account you want to change the overdraft on and then click 'Amend Overdraft'

Aah
Clicked the overdraft button and got a "sorry, you're not eligible for a change in your overdraft limit" message. So I'm guessing amend overdraft is for if you have an existing one.
Thanks anyway :smile:

Will pop into my local branch!

Reply 9

Stray_talk

15

Oh sorry I read your Q a bit wrong. Sounds like the bank guy didn't listen to you proper either!

Reply 10

eckahbeckahboo

OP

animals

I had to go into the branch to do mine :smile:

What sort of things do they ask you??

Reply 11

*Star*Guitar*

17

I went into a branch to activate mine, it started on £750, then doubled to £1500 - and thats as much as you get with HSBC.

Reply 12

eckahbeckahboo

OP

*Star*Guitar*

I went into a branch to activate mine, it started on £750, then doubled to £1500 - and thats as much as you get with HSBC.

How long did the process take in the branch? What sort of questions do they ask?

Reply 13

*Star*Guitar*

17

eckahbeckahboo

How long did the process take in the branch? What sort of questions do they ask?

It was straightaway I think.
I can't remember any real questions asked as it was in first year, and I'm now in third year.
But they'll be doing a credit check on the computer more than asking you questions. Unless you've got into a lot of arrears or overdue credit, then you should be fine.

Reply 14

eckahbeckahboo

OP

I had a little bit of trouble when I didn't know how to pay off a store card and it got so bad I was ashamed to ask my Mum (plus she'd have killed me for gettin one) so I didn't pay it off for a few months, but it's all paid off now. I wonder how much that'd affect it :frown:

Reply 15

*Star*Guitar*

17

eckahbeckahboo

I had a little bit of trouble when I didn't know how to pay off a store card and it got so bad I was ashamed to ask my Mum (plus she'd have killed me for gettin one) so I didn't pay it off for a few months, but it's all paid off now. I wonder how much that'd affect it :frown:

You shouldn't have had too much credit on it to get into *that* much trouble. I only have £350 or something on my Topshop card which is disappointing but a good thing in the long run.
You should still be ok but no point worrying till you go in and ask them.

Reply 16

DarrenClarke

*Star*Guitar*

I went into a branch to activate mine, it started on £750, then doubled to £1500 - and thats as much as you get with HSBC.

i am hopefully gonna ask for mine tommorow as i really need it to pay for uni accomodation as the deadline for the deposit is friday.

Reply 17

*Star*Guitar*

17

DarrenClarke

i am hopefully gonna ask for mine tommorow as i really need it to pay for uni accomodation as the deadline for the deposit is friday.

I got mine a few weeks after I'd started uni, you might find you have to enrol first and show proof of attendig uni. I can't quite remember.
I used a bit of my overdraft in second year to pay the first bit of rent (which is often due before the first loan installment) but since I didn't have it in first year, I borrowed money off my parents.

Reply 18

katechar_X

13

I applied for mine online...i just cant remember how i did it now :s-smilie:

Reply 19

eckahbeckahboo

OP

*Star*Guitar*

You shouldn't have had too much credit on it to get into *that* much trouble. I only have £350 or something on my Topshop card which is disappointing but a good thing in the long run.
You should still be ok but no point worrying till you go in and ask them.

Yea

ahhh, thats given me a bit more hope then.
I was just worried I'd look like an idiot going in with bank statement after bank statement just being ordering clothes online....

HSBC overdraft service

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