I’ve been running around the banks all day. Went down to Halifax to transfer my student account over from HSBC to Halifax for the bigger credit limit. They turned me down. Apparently my credit score wasn’t high enough. I was told that there were no actual problems, there just wasn’t enough there.
That’s kind of strange given I have two credit cards, I’ve previously had another and I have a student overdraft as well. She told me to phone Halifax up as they don’t get much information in the branch. When I phoned them up they told me that basically what the employee in the branch had said didn’t make any sence and they couldn’t actually do anything but contact the credit reference agency (they claimed Halifax used Equifax, the branch earlier today claimed they use Experian).
So now I’m waiting for my PIN number to arrive so I can check my online credit report. Of course if that hasn’t arrived by the weekend it’s going to be the weekend after that I will be able to get hold of it.
I also tried to close my old current account down but they told me I couldn’t do that without my cheque book.
So it would have been a completely wasted trip if I hadn’t also have gone home to vote although frankly that doesn’t really make me feel any better.
I then headed over to HSBC to ask them to raise my interest free overdraft limit. They raised it to £1,250 which is close to half what Halifax is offering and stopped short of saying that should have automatically been done for me in September though it was reasonably obvious it should have been.
I also sent off my application for a Lloyds TSB credit card today which I’m assured by the letter is “guaranteed.” It will be interesting to see if they actually give me it as it comes with a minimum credit limit of £1,000. I already have two credit cards but I’ll be cancelling my existing second card down if I get this one.
As for the rest of the day, I went in to the ARC and Kay apparently isn’t going to be in until next week, I’ve lost the invoice for a product I need to return, my laptop is about to die and needs to go back leaving me with no way to do anything as all my applications are on there and can’t be re-installed and the circle may well be about to be plunged back into hell again. Perfect.
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This entry was posted on Thursday, May 3rd, 2007 at 3:37 pm and is filed under Life. You can follow any responses to this entry through the RSS 2.0 feed. Both comments and pings are currently closed.