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Author Post grad students, when did you start paying interest on OD's?
Carl
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Registered: 9th May 04
Location: Jimmy Bennett's la la land.
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8th Aug 08 at 16:23   View User's Profile U2U Member Reply With Quote
Just got a letter on about interest on my student overdraft, is it normal to get a year free after graduating then they start charging interest? Could do with another year, paying too much other debt off at the moment!
corsa5dr
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Registered: 12th Jan 03
Location: Bath/Bristol - Evo 4 GSR
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8th Aug 08 at 16:28   View User's Profile U2U Member Reply With Quote
I still pay no interest, 3 years after graduating. Barclays graduate additions account £2200 overdraft
deano87
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Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
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8th Aug 08 at 16:45   View User's Profile U2U Member Reply With Quote
Yes, it's normally a year, but obviously depends on bank.

I know Barclays has accounts for post-Grads, giving even better overdrafts etc
Carl
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Registered: 9th May 04
Location: Jimmy Bennett's la la land.
User status: Offline
8th Aug 08 at 17:04   View User's Profile U2U Member Reply With Quote
Going to have a butchers, is it possible to balance transfer it to some other bank to 0% save me a tenner a month?
deano87
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Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
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8th Aug 08 at 17:08   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Carl
Going to have a butchers, is it possible to balance transfer it to some other bank to 0% save me a tenner a month?

You can often balance transfer to come credit cards!
Bram
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Registered: 25th Mar 02
Location: Derby
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8th Aug 08 at 17:41   View User's Profile U2U Member Reply With Quote
I'm sure my grad account is there for 5 years but they reduce the amount of interest free OD you can have each year?

I know that I'm getting raped on my Student Loan repayments though!
Carl
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Registered: 9th May 04
Location: Jimmy Bennett's la la land.
User status: Offline
8th Aug 08 at 17:48   View User's Profile U2U Member Reply With Quote
Just looked and it seems that after 1 year it drops to 1,000 interest free, then 3 years its 500 quid.
phil_sutton
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Registered: 8th Sep 07
Location: Nottingham
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8th Aug 08 at 19:35   View User's Profile U2U Member Reply With Quote
I still have mine over 2 years after graduating, never actually used it though.

Also if your a post grad then you are still a student anyway and wont be any different until you finish.

[Edited on 08-08-2008 by phil_sutton]

 
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