My feed

to access all these features

Find financial and money saving discussions including debt and pension chat on our Money forum.

Money matters

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?

8 replies

totaleclipse · 03/03/2007 11:12

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

OP posts:
totaleclipse · 03/03/2007 11:15

I am with Halifax btw

OP posts:
LadyOfTheFlowers · 03/03/2007 11:18

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 · 03/03/2007 11:20

Message withdrawn

purplemonkeydishwasher · 03/03/2007 11:21

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.

totaleclipse · 03/03/2007 11:29


OP posts:
zarabootoo · 03/03/2007 12:01

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 · 03/03/2007 12:22

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

zarabootoo · 03/03/2007 12:22

that sounds about right!

Please create an account

To comment on this thread you need to create a Mumsnet account.