overdrafts for 19 year old

[chillpill]

anyone suggest a good bank , im with abbey at the moment but ill move if another bank will offer a good overdraft , ive only had a job for a week though lol so that might affect it just a lil

[Dischord]

There's no such thing as a good overdraft, infact I laugh in the faces of everyone with an overdraft. The banks try and whisk you in with a good deal and the usual 'you might be stuck in a train station at 11pm and no way of getting home' bullshit, it's all just a big sales technique! The ammount of times my girlfriend has owed money due to her overdraft is unbelievable, it's always landing her in trouble!

If this is your first job I'd start teaching myself some self restraint and budget for the month!

As for which bank I don't think it matters if you've only been working a month, they'll all start you off with a shit one, could try playing them off each other insurance quote style?
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[chillpill]

nah ive had a jobs since i was 13 , i just need a bit of money before i get paid at the end of may

[iooi]

All you can do is apply, but these days unless you are a student or on good wages, you are unlikly to get a O/D straight away.
It will take a couple of weeks to get sorted anyway.

Better to talk to Abbey and see if they will let you have a short term one to tide you over.
Then make sure you pay it back and never use it.

Biggest thing many people forget about a O/D is that it can be asked to be repaid at anytime.
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Just because my bike was A DIVVY, does not mean i am......

[MaybeGuy]

i got an overdraft at 18, even with a bad credit rating from a contract phone cock up at 16 (lied about age online etc).

started at £100, upped it to £150 6 months later to satisfy a bill that i couldnt afford.

when i got a pay increase i upped it to £200. im with natwest, and basically all you need is a valid reason for getting one.

mine was ''i want an overdraft that is just under my weekly income so i can never get too far in debt'', they liked it, called me sensible, then 48 hours later i had an extra £100, 150, and 200 as i increased it.
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Blue_SV650S wrote: it was a sh1te wheelie, but it proves that he can get it up in 3rd and can do angles. In summery, mattsprattuk is a gobby little sh1tebag, dopehead tw4t, but sadly for all of us, he probably isn't THAT full of sh1te!!
Kickstart wrote: Hi I tend to agree with Matt. All the best Keith

[chrisw]

I'm with Natwest too and they gave me one at 18 (so that was a while ago now). Started at £200, last time I checked they had upped the limit to about £4k I've never even asked for it to be increased!

[_Will_]

Halifax, had a £1k limit for the last few years.
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Past -Honda qr50 | 2004 Peugeot Tkr s 50| | 1996 Yamaha XJ600s Diversion|

[nutter]

My advice, last year I got a 1k one from nationwide, now i'm in a total of 3k debt, at the age of 19, so DON'T get one, no matter how desperate you are.

Can't you borrow a little off parents or friends and then transfer it into your bank account, at least that way you coan't get yourself into deep sh1t like me, and friends and family are alot more understanding than banks, especially at the moment
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Current bike is kawasaki ZR7 - Previous is CBR 125 (40,000 long long miles). Mod 2 passed 11/08/11 - Hope to become an instructor

[KLR600]

[Graprilia]

I have account with Natwest and went a few quid over drawn and found that the charges they added on were more than what i had gone into the red with.

So quite simply i get a overdraft limit setup took no more than 24hours to take place so say i go -£50 for e.g. instead of paying a massive fee on top , i just pay that £50 back when i get it.
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[Irezumi aka Reuben]

[pyx_e]

It's OK to have a £100 o/d for the end of the month, just in case I have a puncture or whatever but I had a serious o/d for over 5 years and I fecking HATED it and do everything I can to never be in that situation again.
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Shiney!
Kawasaki: ER5, Versys, VN900.

[Dom_]

I've got a £1.8k overdraft with natwest, and at 18 i had a 1.5k overdraft. They just keep wanting to up it.

I don't see how it's stupid having an overdraft, i hardly ever use mine and if i do i make sure its paid off straight away.

[bEN_]

20, and have a 2k overdraft with natwest which i can't really get out of because i'm in a shit I.T job.
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2010 Ducati 848 Dark

Lamp Post Enthusiast

[Robby]

Nationwide has given me a £10k overdraft facility for the last few years. Useful thing to have.

If you going to get one, do it properly and get a few grand's worth. You'll need to build it up slowly, when I was building mine up it was about a £1k increase every couple of months. If you get a pissy little £250 overdraft you might as well not bother, you'll just fill it up and get charges for exceeding your limit.

Of course, if you have no money management skills and just spend your credit with no hope of paying it back, rest assured I'll laugh in your general direction in a few months for being so silly.

[JonB]

Nationwide don't seem to really care about overdrafts. I can just log into internet baming request a little bit extra, get asked my date of birth and wolah another couple of hundred onto my already largish OD.

I have a £1000 HSBC OD and a £1250 Nationwide OD.
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Be careful whose advice you buy, but, be patient with those who supply it. Advice is a form of nostalgia, dispensing it is a way of fishing the past from the disposal, wiping it off, painting over the ugly parts and recycling it for more than it?s worth.

[chillpill]

yeah im going to apply for one , ive got a abbey current acoount wich ive had for about 7 years , is it worth getting the overdraft fropm abbey or just going to a better bank for eoverdrafts like natwest , will the fact that im going to uni in october increase my overdraught ?

[Charlie]

£1250 interest free overdraft

One of the pleasures of being a student.
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