Exactly.
And every flavour of credit card is already out there. Why are people mad that they can’t (yet) just get one with Starling’s logo on it?
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I am not sure how flex doesn’t meet that requirement with extra flexibility given the hold situation got changed.
I guess Gatehouse if you could them as a bank (as opposed to a current account provider etc.). They often remove a product category (like easy access for example) from sale entirely while they consider the impact of Bank of England announcements and the like. DF capital has done similar in the past.
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Well I tried reapplying yesterday under new number and email and got rejected so I’d guess they still being dicks 
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Only once, with T212, which came down to capital requirements. When they later raised money, they opened it up to new accounts again.
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Has anyone had any issues with getting a starling overdraft?
I have an excellent credit score of 900 and have high credit limits on different accounts such as Amex and Barclaycard (10-20k), but for some reason starling keep declining me access to an overdraft.
When I asked why I was declined on multiple occasions I was told I’m not allowed to be told why I’m being declined? Surely I’m allowed to know the reason to why they keep declining me? I was told to just check my credit file and make sure it’s good, which… it is.
Really confusing, I raised it higher with a complaints team to see what the issue is and I’m just not eligible apparently 
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If they told people why, people would be able to game the system. It is perfectly normal to not be told why.
Made up number isn’t relevant.
So let’s say you have £40k of credit in total. If it is all used, they might feel you are a risk applying for more credit.
Or they might not have enough data about your spending patterns. There are dozens of variables.
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I understand completely that it could be down to different variables, just seemed odd to me I cant access an overdraft of £500 with starling but I can get a new line of credit elsewhere for thousands, referencing the same credit agencies
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Apart from your credit score and your income and how great you are there is also the massive variable of how much they are willing and able to lend in general.
If they have lent too much then they might choose to only lend to people who are over 40 and earn over £100k or those who are called Steve and have a credit utilisation of under 10% or maybe just completely turn off new overdraft lending if they want to.
(it’s probably them and not you).
Why don’t you get a Monzo overdraft instead?
If the answer is you already have one then this could be a factor. Other overdrafts in use could be interpreted similar to pay day loans. It’s a form of emergency borrowing.
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Have you had an account for long?
It took me a while before they would entertain the idea, but they did eventually and then I had to send proof of income (probably because I don’t get paid into my Starling account).
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That isn’t how it works.
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You don’t fit Starlings credit profile, end of.
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Starling always has been strict with overdrafts…
If NatWest, Nationwide etc pre-approved up to £5000 overdrafts, Starling refused
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Apparently not.
Note it also can be them, not you. As in they might already have many accounts with overdrafts of the same size and risk as yourself. (Example same employer, same industry, same usage patterns). And to spread the risk they might be capping more lending into the same “bucket”. You might find from time to time inverse to be also true - can get £££ at X but not Y.
This is also true for credit cards, loans and mortgages too.
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Anyone else got this pop-up? It’s impossible to dismiss and it covers up some of the spending stats on the home screen.
I asked support about this and they said “Unfortunately it cannot be dismissed as it’s an urgent security message.”
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… So even more reason to remove the silly circle (I think it’s called Pulse?) for a better all transaction list interface. 
It’s quite annoying isn’t it? It’s not the first time that I’ve seen it either.
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Mine has disappeared as of this evening.
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Thinking of moving my main banking from Monzo to Starling.
Can anyone tell me if Starling lets you know if a direct debit is higher/lower than the previous month?
Monzo do this and it’s surprisingly helpful when you’re moving a set amount to a space to pay bills for the entire month.
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