my credit is no good and i was denied finance everywhere… no cred card, nothing! i use online banking and one day thought id be cheeky and up my overdraft limit online from 1k – 3k (the amount left i needed) and wahey it worked!!!!! its worth a try, lloyds are really good, of course i went down the route of asking them for a cred car/loan and they said no, but for some reason i was allowed the overdraft! and no iv got my surgery booked and payed for although i have to wait til 30th june because of work holidays xx