aib and credit decisions

Random · 08-12-2011 06:00PM #1

anyone familiar with aib as a personal banking customer?
are my branch likely to discuss specific reasons why (for example) an overdraft increase would be declined?

thanks

unclebill98 · 08-12-2011 08:59PM

Not really.

They can just say you failed the credit score and hand you a flyer which would not explain it innrelation to your unique application.

marywary · 09-12-2011 02:15AM

If you already have an overdraft I would definitely call to Branch and ask to speak to someone to see why you've been declined. Most decisions are made in a Department, they look at everything as black and white, everyone's situation is different, they may be able to help. Branch staff are more willing to try and assist with getting lending applications sanctioned. They are more in tune with customers dealings.

TimmyoTooleI · 09-12-2011 02:22AM

marywary wrote: »

If you already have an overdraft I would definitely call to Branch and ask to speak to someone to see why you've been declined. Most decisions are made in a Department, they look at everything as black and white, everyone's situation is different, they may be able to help. Branch staff are more willing to try and assist with getting lending applications sanctioned. They are more in tune with customers dealings.

They may be more in tune but they mightnt have any power to approve the overdraft

aib and credit decisions

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