Tweet
ok, ive already posted that i have a stupid amount of Cc debt, which im working very hard at paying down. im never using my cards, or going into hock for cars again after my current loan is paid for. but just yesterday, my old bank ( had accounts there for 10 yrs including my previous auto loan, cc, line of credit, RRSP and various bank acts)called and informed me i had been preapproved and given a 3k overdraft limit on my checking account. sheesh, i never even use that account except to have my GST and CCTB checks deposited into. i have the cheapest account plan they offer as i get completely free banking on everything at the bank i work for.
does this mean my credit score has shot up? it was 746 last august, and yet i was declined for a consolidation loan ( due to debt ratio, not actual credit problems). could i be hitting the Holy Grail of near 800? wouldnt that be something..hehe. any thoughts on the matter? i would never have even considered applying for overdraft- i dont need one since i never write checks. thanks for any replies
does this mean my credit score has shot up? it was 746 last august, and yet i was declined for a consolidation loan ( due to debt ratio, not actual credit problems). could i be hitting the Holy Grail of near 800? wouldnt that be something..hehe. any thoughts on the matter? i would never have even considered applying for overdraft- i dont need one since i never write checks. thanks for any replies
Comment