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    Hi so I'm now in my 2nd year (Technically 3rd) of uni and I've have a HSBC student account throughout with £500 overdraft. I am really struggling with money at the moment and I really NEED to extend my overdraft to pay for basic bills / etc.. but I tried earlier in the year over the phone and they declined it? WHY is this? They also declined me to have a student credit card? I always have a job until this year at uni where I am looking for a job.
    Is there any way to make them let me have an extension?
    Can I change student accounts even though my overdraft is maxxed out?
    Thankssss
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    (Original post by VodkaAndBrains)
    Hi so I'm now in my 2nd year (Technically 3rd) of uni and I've have a HSBC student account throughout with £500 overdraft. I am really struggling with money at the moment and I really NEED to extend my overdraft to pay for basic bills / etc.. but I tried earlier in the year over the phone and they declined it? WHY is this? They also declined me to have a student credit card? I always have a job until this year at uni where I am looking for a job.
    Is there any way to make them let me have an extension?
    Can I change student accounts even though my overdraft is maxxed out?
    Thankssss
    Are you still on the electoral register? Have you registered on the electoral register at your uni address?
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    (Original post by Tomm98)
    Are you still on the electoral register? Have you registered on the electoral register at your uni address?
    I'm not sure, I dont think so at my uni address... I was a few years back at my home address when I was 18 when I voted.. I'm unsure now.. I'm 20.
    Does that make much of a difference?
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    (Original post by VodkaAndBrains)
    I'm not sure, I dont think so at my uni address... I was a few years back at my home address when I was 18 when I voted.. I'm unsure now.. I'm 20.
    Does that make much of a difference?
    Yeah - for all forms of credit you must be fully registered on the electoral roll. If you aren't, you'll most likely be refused (even if you have never used credit before) as banks won't be confident that they have a traceable address for you.

    Check with your local electoral services.
 
 
 
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