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Do banks hold grudges?

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I was a long happy Yorkshire Bank customer for years then found out Halifax did not charge for bounced direct debits so i switched about 2 years ago. I recently applied for a new account with York… Read More
AStonedRaichu Avatar
2y, 4m agoPosted 2 years, 4 months ago
I was a long happy Yorkshire Bank customer for years then found out Halifax did not charge for bounced direct debits so i switched about 2 years ago.

I recently applied for a new account with Yorkshire Bank as a secondary account. They declined me as soon as they ran my details. They said my credit score was too low but today i got a current account with Tesco and was offered an overdraft as they said my credit was fine.

Has anybody else been declined by a bank they have previously switched from? It seems like they simply did not want me back. My credit score is fine. I only applied for a bog standard current account
AStonedRaichu Avatar
2y, 4m agoPosted 2 years, 4 months ago
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they may see if you have had an old account with them and run that history as part of a credit check. they may also think they wont make any money off you so will not want your business, also is yorkshire not owned by NAG/Clydesdale so they really need to make money so will target a specific group to do that.

basicly you aint what they are currently looking for as a customer profile.. rather than a good or bad risk..

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#1
they may see if you have had an old account with them and run that history as part of a credit check. they may also think they wont make any money off you so will not want your business, also is yorkshire not owned by NAG/Clydesdale so they really need to make money so will target a specific group to do that.

basicly you aint what they are currently looking for as a customer profile.. rather than a good or bad risk..
#2
You seem to imply you had bounced DDs with them ? Maybe they remember but didn't publicise it to the Credit Reference Agencies -In which case they did you a great favour :)
#3
rogparki
You seem to imply you had bounced DDs with them ? Maybe they remember but didn't publicise it to the Credit Reference Agencies -In which case they did you a great favour :)

Yeah i had all kinds of problems regarding charges and always got customer service to remove them. I guess they simply knew they would not make money from me i guess.

Just between us i only wanted to open it to switch to Tesco. 50,000 clubcard points to switch. They sent me an invitation. I have opened my account and need to switch another current account to them in the next 28 days to get the points.

Can anybody suggest a bank which i can get a quick current account to do it? i cannot move my main account without it causing problems. I have a large overdraft on my main one.

Edited By: AStonedRaichu on Dec 19, 2014 16:35
#4
Have you tried the Post office bank account
#5
Be careful applying for lots of accounts it 'can' have an adverse affect on your credit rating.
#6
HOLD A GRUDGE

They would quite happily take the food from a starving child's mouth and throw it in the bin in front of them.
#7
Co-op/Smile have always been really quick in opening accounts for me-might be worth a go.

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