Well to start I've been with barclays for 4 year 5 months and I've had no problems with my credit since with this bank. I first applied when I started to work offshore. I have tried several times to apply for a small loan and overdraft just to help me out with emergency cash available when either out of work or circumstances change. This time I've been out off work 9weeks due to a medical condition which needed attention before going back to work. I'm due back to work in 3weeks. I have money going in each week. I have been declined an overdraft and Im really disappointed with this bank. I have a relative with Lloyd's bank who is on lower income with bad credit ect and has an overdraft of £500 I just don't think this bank has to offer me any better than any other bank else where!