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Author Banking
chunk89
Member
Registered: 16th May 07
Location: Huddersfield
User status: Offline
3rd Feb 10 at 19:26   View User's Profile U2U Member Reply With Quote
Hi I'm after some advice I'm currently with natwest but have and overdraft over £1000 which in constantly in and they charge me £12.50 for my account and then interest on top, I'm looking to join a bank without an overdraft who will also supply me wit a credit card to pay off natwest, just wondering who you all bank with and wat banks are the easyest to get credit cards on and don't charge you for your account etc ....

Thanks
jay2907
Member
Registered: 12th Jan 09
Location: wakefield
User status: Offline
3rd Feb 10 at 19:30   View User's Profile U2U Member Reply With Quote
you saying you want to open another bank account.....while you still have outstanding overdraft to pay off with your current bank

i doubt any bank will let you do that they wouldnt let me.. i tried barclays and halifax both not until ive paid my current over draft off...
Rob R
Member
Registered: 31st May 03
Location: Kent
User status: Offline
3rd Feb 10 at 19:32   View User's Profile U2U Member Reply With Quote
just apply for an interest free credit card and do a balance transfer.
AndyKent
Member
Registered: 3rd Sep 05
User status: Offline
3rd Feb 10 at 19:33   View User's Profile U2U Member Reply With Quote
First things first, if you are constantly in your overdraft, why do you think changing banks is going to help?

Anyone could supply you with a credit card, but you might find the charges on that are more than what you already have.
chunk89
Member
Registered: 16th May 07
Location: Huddersfield
User status: Offline
3rd Feb 10 at 19:34   View User's Profile U2U Member Reply With Quote
I tryed but got turned down due to not having anything on credit was advised get one from my bank
chunk89
Member
Registered: 16th May 07
Location: Huddersfield
User status: Offline
3rd Feb 10 at 19:36   View User's Profile U2U Member Reply With Quote
Changing banks wud help because it would get rid of the 12.95 per month charge and interest plus I don't want to pay for my bank account
Twiggy
Member
Registered: 15th Oct 04
User status: Offline
3rd Feb 10 at 19:39   View User's Profile U2U Member Reply With Quote
If only my bank charged me £12.50 a mth
Cosmo
Member
Registered: 29th Mar 01
Location: Im the real one!
User status: Offline
3rd Feb 10 at 19:40   View User's Profile U2U Member Reply With Quote
Can you balance transfer an overdraft on to a cc?
sand-eel
Member
Registered: 15th Mar 07
Location: carluke/braidwood--IRNBRULAND
User status: Offline
3rd Feb 10 at 19:58   View User's Profile U2U Member Reply With Quote
HBOS
My credit card gave me 9 months 0%apr and you can pay online, easy stuff.
Twiggy
Member
Registered: 15th Oct 04
User status: Offline
3rd Feb 10 at 23:43   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Cosmo
Can you balance transfer an overdraft on to a cc?


MBNA + MBNA group cards can money transfer in bank accounts.

As can Egg i here?
MarkSport
Member
Registered: 22nd May 09
User status: Offline
4th Feb 10 at 00:10   View User's Profile U2U Member Reply With Quote
Ask them to put the 12.50 to better use like premium membership
mark_gsi
Member
Registered: 1st Nov 03
Location: Peterlee/darlington
User status: Offline
4th Feb 10 at 01:02   View User's Profile U2U Member Reply With Quote
everytime you get paid take 50quid of your overdraft. it would go down eventually.

 
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