when do i pay back the student account overdraft debt?

when would i pay back the student credit card debt for the following banks?
-hsbc
-natwest
-nationwide
are they all after graduation? im thinkinf of getting one due to the 0% interest loan (of 1k etc)
thanks

when would i pay back the student credit card debt for the following banks?
-hsbc
-natwest
-nationwide
are they all after graduation? im thinkinf of getting one due to the 0% interest loan (of 1k etc)
thanks

Hi @epoch.ly
Each student bank account may differ with what will happen post graduation. For example, I know Nationwide currently move your student account to a graduate account, which still has a 0% interest overdraft, but the overdraft limit gradually decreases over time. But this may differ for other accounts too.
In any case, I'd suggest trying to pay off any overdrafts as soon as you can. But there are thigs like the graduate accounts which can help if you can't pay off your overdraft straight away.
Here's the Martin Lewis student account breakdowns, which might give you a better idea about the accounts available. https://www.moneysavingexpert.com/students/student-bank-account/
Hope this helps. 🙂
Emily
Student Rep at BCU

You pay credit cards each month. You have to make at least the minimum payment or you end up in arrears which tanks your credit score and costs you more in fees. I'd strongly advise against taking credit without a good reason, you're setting yourself up for failure if you do.

Wait I meant a student bank account - is this the same thing?

Oh, no not at all, credit cards and bank accounts are two different products. Student bank accounts are usually quite generous, I'd go with the advice in the BCU rep's comment if that's what you're looking for.