4years banking with Barclays doing 2 jobs with very credit score ,but never was allowed for overdraft or a small loan when I tried to check if Iam eligible !!I tried to find out the reasons many times ,they never could answer me why!!the best answer was :although credit Experian is one of the main credit rating agency but I still to make sure with the other credit agencies!!!I knowing my financial situation very well but They left me shocked !!with no answer!!going back to bank with NatWest much better,please don’t waste years trying to introduce your self to this bank!!