Aim for a little reduction of it each month and keep a log. Even if it's just by a tenner a month or whatever you can afford. Takes forever but you'll get out of it eventually - I was in mine for years!! But now I'm out I always stay out of my overdraft and finally even have some savings.
I've had a £1000 overdraft since I was a student 10 years ago. Because I went to the limit as a student evertime I get paid it clears it but I obviously then need the money I've been paid to live. It's only the past few months I've actually had enough slack in my budget to reduce it by £100 a time. Be warned though; banks love you having an overdraft and reducing mine has been an uphill slog with long phonecalls and transfers to different departments every time.
Be careful about opening a second account. Your bank can withdraw your overdraft if you no longer have a salary paid in. You can ask your bank to reduce your overdraft by a set amount each month. It really helps
Yes. It used to be my job. Just arrange an account review and discuss it with them. I used to suggested people dropped it by approx 50 a month. It’s normally a manageable amount, it chips away at it slowly over time.