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kurt0411
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Hi, I just finished year 1 of University and have been trying to get an overdraft for MONTHS but I keep getting rejected because of my so called credit score which has been the same for years so what am I supposed to even do as a student?
However I have always applied online or via phone. What are my chances of getting an overdraft if I just go in branch lol? I have a bank at HSBC
However I have always applied online or via phone. What are my chances of getting an overdraft if I just go in branch lol? I have a bank at HSBC
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meymey:)
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(Original post by kurt0411)
Hi, I just finished year 1 of University and have been trying to get an overdraft for MONTHS but I keep getting rejected because of my so called credit score which has been the same for years so what am I supposed to even do as a student?
However I have always applied online or via phone. What are my chances of getting an overdraft if I just go in branch lol? I have a bank at HSBC
Hi, I just finished year 1 of University and have been trying to get an overdraft for MONTHS but I keep getting rejected because of my so called credit score which has been the same for years so what am I supposed to even do as a student?
However I have always applied online or via phone. What are my chances of getting an overdraft if I just go in branch lol? I have a bank at HSBC
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martin7
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(Original post by kurt0411)
Hi, I just finished year 1 of University and have been trying to get an overdraft for MONTHS but I keep getting rejected because of my so called credit score which has been the same for years so what am I supposed to even do as a student?
Hi, I just finished year 1 of University and have been trying to get an overdraft for MONTHS but I keep getting rejected because of my so called credit score which has been the same for years so what am I supposed to even do as a student?
If there are inaccuracies, these might be causing your problems.
Are you on the electoral roll? If not, that might also cause problems.
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gandalfslipper
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#4
Potentially go in branch but it sounds like something is putting them off, usually you get one when you open your account as they run a credit check.
Have you signed up with Credit Karma/MSE Credit Club/Clearscore? They are free versions of your credit reports with Experian/Equifax/Transunion might be worth a look.
HSBC are picky and judge your activity more than other banks I’ve found. Is your student loan going into the account? If it’s not they won’t give you an overdraft.
At the same time if you are looking likely to be struggling financially, or constantly asking for the overdraft then they won’t give you one. And won’t until the situation looks better to be honest.
Have you signed up with Credit Karma/MSE Credit Club/Clearscore? They are free versions of your credit reports with Experian/Equifax/Transunion might be worth a look.
HSBC are picky and judge your activity more than other banks I’ve found. Is your student loan going into the account? If it’s not they won’t give you an overdraft.
At the same time if you are looking likely to be struggling financially, or constantly asking for the overdraft then they won’t give you one. And won’t until the situation looks better to be honest.
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Blackstarr
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Does that mean getting a Studnet overdraft at any bank is dependent on your credit score?? I am curious to know??
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Blackstarr
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gandalfslipper
martin7
kurt0411
Does that mean getting a Studnet overdraft at your local bank(the bank you predominately use etc) or any bank is totally dependent on your credit score? I am curious to know etc ??
martin7
kurt0411
Does that mean getting a Studnet overdraft at your local bank(the bank you predominately use etc) or any bank is totally dependent on your credit score? I am curious to know etc ??
Last edited by Blackstarr; 1 month ago
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martin7
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(Original post by Blackstarr)
gandalfslipper
martin7
kurt0411
Does that mean getting a Studnet overdraft at your local bank(the bank you predominately use etc) or any bank is totally dependent on your credit score? I am curious to know etc ??
gandalfslipper
martin7
kurt0411
Does that mean getting a Studnet overdraft at your local bank(the bank you predominately use etc) or any bank is totally dependent on your credit score? I am curious to know etc ??
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