How big is your overdraft?

tom_e · 25 Apr 2007 at 19:57

dirtydog said:
I would say that it is impossible to know that you will never need to use your overdraft.

Its impossible to know if il ever need a knife to defend myself when im out and about but it doesnt mean i carry one

zetec452 · 25 Apr 2007 at 19:58

I've got 6k. Used about 1/3 of it. Plan to cancel two of my accounts soon resulting in a 2k overdraft.

Pebbles · 25 Apr 2007 at 20:00

[TW]Fox said:
I dont understand why some of you people have so little willpower and so little financial nous that you have to ask for an overdraft to be taken away from you becuase you cant trust yourself. What are you, 15?

Why should I have an overdraft? If I dont want one why should I have it? To prove to you I can resist it I suppose.

Scuzi · 25 Apr 2007 at 20:01

[TW]Fox said:
I dont understand why some of you people have so little willpower and so little financial nous that you have to ask for an overdraft to be taken away from you becuase you cant trust yourself. What are you, 15?

I don't understand why people describe their financial information with complete strangers on an internet forum.

"andy" · 25 Apr 2007 at 20:05

Scuzi said:
I don't understand why people describe their financial information with complete strangers on an internet forum.

because you can lie and no one will know

[TR]SweetSpotOz · 25 Apr 2007 at 20:06

Supercow · 25 Apr 2007 at 21:16

Admiral Huddy said:
I have a one account with £250k of un-utilised borrowing available at any time.. how's that for temptation

Shoulda bought a property and rented it out

Maz · 25 Apr 2007 at 21:36

£1500 on personal account
£500 on personal "spending" account
£10000 on business account
£0 on savings account

Jez · 25 Apr 2007 at 21:38

£1800 interest free, only use it because its free though to make juggling money easier.

Mulder · 25 Apr 2007 at 21:41

£1400 and £1500, both of which are interest free. Most of it is in a 5% account.

Ironic Namesake · 25 Apr 2007 at 21:42

None, never needed it (yet!)

If I need money urgently, I have credit cards

snowdog · 25 Apr 2007 at 21:47

Dont have any, but my parents ones are:

Fortis 1: 500€
Fortis 2: 500€
Fortis 3: 500€
Fortis 4: 1000€
Visa: 2000€
Interbank: 3000€

The Mad Rapper · 25 Apr 2007 at 22:26

Until October last year mine was £3500 and I was up to the limit every month. Nerf divorces costs and London living TBH

My GF gave me a boot up the arse though and I did a load of overtime and repaid it in 6 months.

It is now £0 and I never intend to have an OD again. I keep a £300 buffer in my account at all times now just in case of unforeseen costs.

Stellios · 25 Apr 2007 at 22:31

£0, the bank keep offering me £2500 but i dont feel a need for it so i havent taken it. If i ned it i know i can have it, but while ive got >£1k in the bank i wont consider an overdraft.

Morba · 25 Apr 2007 at 23:21

£2k, was a lot more but i requested it to be lowered as it was being unused.

Mad_Jay · 25 Apr 2007 at 23:54

Mines £50

Never used it though..

LLBDTiberio · 26 Apr 2007 at 01:32

Mine is at 1500, planning on paying the bank back soon though, althought its an interest free overdraft

I only took it out because I needed a LOT of money in my first year of uni, couldn't get anything I owned on the plane from home so everything had to be bought over here, spent 1500 pounds in a week :rolleyes:

NokkonWud · 26 Apr 2007 at 04:03

£1,800.
Nat West Student Account.

ramirez · 26 Apr 2007 at 07:45

I have a £1750 overdraft with HSBC but dont tend to use it - However if anything the bank are reducing it by £500 every year, not increasing it.

Stonedofmoo · 26 Apr 2007 at 07:48

£300

That does me, even then I seem to manage to be in it