A couple of months ago Nat West asked me if I wanted to upgrade my account, not really bothered I said yes and forgot about it, I then recieved a letter saying I had gone £1 overdrawn due to bank charges and they were going to charge me £35 any it turned out they had set up a new account so I had two, but the real point here is (other than them charging £35 for being £1 overdrawn
) is that it goes on your credit record for between 3 and 6 months. Needless to say they dropped the charges but before I hung up I jokingly said could I apply for a loan, she said try in six months!