Applying for an overdraught with bank, do they always do a credit check or do they sometimes give you one just because you have been a good customer and not recieved any bank charges?

[totaleclipse]

Sorry for the long heading, I need some money asap, but my credit rating is diobolical

[totaleclipse]

I am with Halifax btw

[LadyOfTheFlowers]

the computer does a check when they try to load it.
you will probably have an in house credit score and they may say no dependant on that without trying to load it.
work at lloyds btw. well did till i hand my notice in at end of mat leave.

[Aimsmum]

Message withdrawn

[purplemonkeydishwasher]

we're with halifax. and despite having been a good customer for years (loans, mortgages, credit cards, savings account, etc etc) they REFUSE to give us an overdraft.
bas-tards.

[totaleclipse]

Thanks

[zarabootoo]

I worked for Halifax and BOS up until two years ago. When I was there no credit check was carried out for an o/d - the computer showed what limit we would be allowed to apply to any given account. How they worked it out I don't know but you could just phone and ask. All they can say is no. HTH

[purplemonkeydishwasher]

when we asked for an o/d it was like that little britian sketch..."computer says no"

[zarabootoo]

that sounds about right!