myke
Member
Registered: 7th Feb 01
Location: High Wycombe, Buckinghamshire
User status: Offline
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bank accound overdraft is about £1600, rarely use it though, and if i do it'd be just a couple of ton untill i get paid.
credit cards total allowance adds up to quite a bit, but only use two at a time. one which switches to whoever offers interest free credit to pay back some debt, and one to use that mostly gets paid off each month.
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Jules S
Premium Member
Registered: 24th Dec 03
User status: Offline
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Ive got about 5k
Funny how the banks offer all the overdraft facilities when you are in credit and dont need them 
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Gav S
Member
Registered: 16th Apr 02
Location: Coventry, West Midlands
User status: Offline
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£1k overdraft, a fair way into it too  
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Ben J
Member
Registered: 31st Jan 05
Location: Cheshire
User status: Offline
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quote:
Originally posted by corsa808
i have a 1k overdraft. dont use it often its just there if i want it.
depends how much money you have coming in really, I usually take home £5000 a month so in comparison then its not that much.
im £750 overdrawn at the moment tho, 6 days to wait till payday
[Edited on 08-04-2006 by corsa808]
£5000 per month take home!!! What the hell do you do!
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stuartmitchell
Member
Registered: 24th Apr 04
Location: Kirkliston, Edinburgh
User status: Offline
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Mines set at £1500 but never anywhere near it 
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p4uls corsa
Member
Registered: 2nd May 05
Location: BRADFORD
User status: Offline
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quote:
Originally posted by Nick A
No overdraft either - if i cannot afford it i sont buy it and save for it
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myke
Member
Registered: 7th Feb 01
Location: High Wycombe, Buckinghamshire
User status: Offline
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quote:
Originally posted by Jules S
Funny how the banks offer all the overdraft facilities when you are in credit and dont need them
i'd noticed the opposite. started with a £50 limit when i was 16. took about a year untill i ventured into it. as soon as i did they offered to increase to £200.
each time i got within a certain amount of the limit, they saw that i was making use of it but still able to pay it back and kept upping it each time i used it more.
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Jules S
Premium Member
Registered: 24th Dec 03
User status: Offline
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quote:
Originally posted by myke
quote:
Originally posted by Jules S
Funny how the banks offer all the overdraft facilities when you are in credit and dont need them
i'd noticed the opposite. started with a £50 limit when i was 16. took about a year untill i ventured into it. as soon as i did they offered to increase to £200.
each time i got within a certain amount of the limit, they saw that i was making use of it but still able to pay it back and kept upping it each time i used it more.
Ah banks, you've gotta love them.
Yes they will quite happily keep upping your overdraft.....right up to when you are out of your depth.
At this point you friendly bank manager will offer/force you to take out a loan to pay the overdraft off.
Works every time.
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antscorsa
Member
Registered: 11th Aug 02
Location: london
User status: Offline
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quote:
Originally posted by Gav S
£1k overdraft, a fair way into it too
me too but 1500, priob about 130 left lol
but iom owed work money, its intrest free and soon as unis over i cna pay it off. so not too botherd about it
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MikeE
Member
Registered: 7th Mar 03
Location: Milton Keynes
User status: Offline
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Mines £380 limit which mean -£380  must pay it back soon but its not a great deal
[Edited on 08-04-2006 by MikeE]
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dave17
Member
Registered: 3rd Sep 02
Location: Greater London
User status: Offline
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-750
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Charlene
Member
Registered: 29th Sep 04
Location: Darlington
User status: Offline
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Dont have an overdraft
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Cavey
Member
Registered: 11th Nov 02
Location: Derby
User status: Offline
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2 grand overdraft, currently at 3200ish, i've kinda run away from Natwest 
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Thoday
Member
Registered: 12th Jan 03
Location: Drove kitted corsa b now standard corcs c exclusiv
User status: Offline
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I work for a bank in the rich people portfolio most rich fookers are £0000.00s O/D and yet earn 200k a year
you can see pre assed information and if you can prove you have £ coming in then u can ask for much higher OD's
loans are cheaper then OD's it depends if u r always in it or not
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Carl
Member
Registered: 9th May 04
Location: Jimmy Bennett's la la land.
User status: Offline
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1400 mine, i'm 1350 into it, 800 of it is in an ISA though, put it there so it looks like i have no money and can't flitter away the rest of it.
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ChazSXi
Member
Registered: 26th Jan 03
User status: Offline
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i have a 1k overdraft...and its MAXED out!
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corb
Member
Registered: 24th Apr 02
Location: Calgary, Alberta, Canada
User status: Offline
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£700 which i never used since i left halfords and got a proper job 2years ago!
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corb
Member
Registered: 24th Apr 02
Location: Calgary, Alberta, Canada
User status: Offline
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and that was there to help with putting the XE in ages back.
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Pablo
Member
Registered: 3rd Feb 03
Location: Milton Keynes
User status: Offline
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I have about 3k worth debts and agreeed £350 over draft limit, I inted to be debt free by August
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Ally
Member
Registered: 2nd Jul 03
Location: Pontypool Drives: a Skoda
User status: Offline
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£0.00 
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Mattss Corsa
Member
Registered: 11th Jan 03
Location: Milton Keynes (BUCKS)
User status: Offline
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£1000 Over draft limit, and only used it once
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Robin
Premium Member
Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
User status: Offline
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bank removed the overdraft facility from my account after i used it too many times
the limit was set at 500 but i got it to over 700 3 or 4 times
im crap with money
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Jules S
Premium Member
Registered: 24th Dec 03
User status: Offline
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quote:
Originally posted by robmarriott
bank removed the overdraft facility from my account after i used it too many times
the limit was set at 500 but i got it to over 700 3 or 4 times
im crap with money
I was too until I started earning more than i could spend....I'd be in the same shit If I had to take a salary drop.....I maxed out my overdraft a day before payday once too often and they (natwest) withdrew my chequing card and switch facility.
I had to pay by cash for everything for a year or so. A right royal PITA.
Avoid bank overdrafts if you can. Better to fire the monies onto a 0% credit card (again if you can)
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shawboy
Member
Registered: 1st Jul 02
Location: Wombwell, Barnsley
User status: Offline
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£0
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Dave A
USER UNDER INVESTIGATION - DO NOT TRADE
Registered: 10th Dec 03
Location: County Durham
User status: Offline
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quote:
Originally posted by bjackso2x
quote:
Originally posted by corsa808
i have a 1k overdraft. dont use it often its just there if i want it.
depends how much money you have coming in really, I usually take home £5000 a month so in comparison then its not that much.
im £750 overdrawn at the moment tho, 6 days to wait till payday
[Edited on 08-04-2006 by corsa808]
£5000 per month take home!!! What the hell do you do!
im a salesman. and a fucking good one as well
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