Bank accounts: how important is an overdraft?
Some people find overdrafts very useful, but that doesn`t mean everyone needs one. Sometimes, the other benefits a bank account offers might be more useful.
Quick guide to the Independent Commission on Banking`s proposals
The Independent Commission on Banking (ICB) has released its Interim Report on banking reform. What do these proposals hold that would interest the average consumer?
How important is the interest rate on a current account?
A good interest rate is a useful thing, but it`s not the only thing to consider when looking for a bank account. For example, there may be other benefits that you find more useful.
How to improve a bad credit history
A poor credit score can get in the way of applications you make for financial products - but it doesn`t have to be that way. There are ways you could improve your credit score to strengthen your chances of being accepted.
How is bad credit calculated?
When you apply for credit, your lenders will look at your credit history to help them decide if they`re prepared to offer you their services/products. The question is, though: how is bad credit calculated?
What causes a bad credit history?
Having a poor credit history can affect your chances of being accepted for a bank account. A whole range of things could damage your credit score. It`s important to understand these so you can avoid making mistakes when looking after your money.
What is a bad credit bank account?
Bad credit bank accounts were introduced through a Government scheme to help people who aren`t eligible for `standard` financial products gain access to products suited to their situation.
Why is it difficult to get a bank account sometimes?
Although having a bank account is very important, it can be difficult to open some accounts. There are different reasons why you might have been turned down in the past, such as your credit history and your eligibility.
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