More answers to your upgrade questions!
The only exceptions are ‘offline’ payments […] We can’t reject these, but we’ll let you know if they take your balance below zero. You’ll have until midnight to add money to your account, so you can avoid charges or any impact on your credit score.
Am I right in thinking that, if an offline payment goes through as an unauthorised overdraft, it’s the same rate as an authorised one (i.e. 50p a day) and, additionally, is the £20 buffer also permitted for these payments? Thanks.
Is it possible to apply for a bigger overdraft?
I’m still waiting to even be offered one
does the £20 buffer apply even if you don’t have an overdraft?