I've been wanting to get a student account. I went to Halifax 2 days ago and applied for it, but got turned down because of a 'low credit score'. They said as I was a new customer they don't know anything about me, and told me to go with my current bank's (HSBC) student account.
I'm hoping to go and convert my current account into a student account today, but ideally I'd have liked to keep it completely separate. I already have a Lloyds TSB current account, which I use for my Direct Debits, rent payments, bill money etc etc, and my HSBC for living costs. If I'm getting an overdraft, I would like to keep it separate, so I'll pay the money back when I can, rather than have money transferred into my account and clearing my overdraft, therefore forcing me back into it.
Will it look dodgy if I apply for a normal current account elsewhere?
Sorry for the long essay!
Grateful for any help...
msK
I'm hoping to go and convert my current account into a student account today, but ideally I'd have liked to keep it completely separate. I already have a Lloyds TSB current account, which I use for my Direct Debits, rent payments, bill money etc etc, and my HSBC for living costs. If I'm getting an overdraft, I would like to keep it separate, so I'll pay the money back when I can, rather than have money transferred into my account and clearing my overdraft, therefore forcing me back into it.
Will it look dodgy if I apply for a normal current account elsewhere?
Sorry for the long essay!
Grateful for any help...
msK