hi all, ive been looking to leave my abbey basic account behind, as they will not or cannot upgrade my account. Ive been with them 6 years, i have had bad credit and ccjs in the past (around 4 years ago), but have not missed a single direct debit or been out of work for the past 4 years either.

I applied to A&L and was turned down in thirty seconds flat, so i tried for a natwest step account online (was told its a good account to help me improve my credit rating), they didnt turn me down straight away like A&L, they said they would reply in writing.

Nearly 2 weeks has gone by and ive not heard a thing. I also think ive deleted the email that they sent to confirm they were sending a letter.

How much longer should i wait?

Should i just go ahead and apply for a different account? (assume ive been turned down)

Which bank account is the best to help me rebuild my credit rating?

My hopes would be, to be able to have a debit card on my account and possible upgrade after a set amount of time, if the account is well maintained.

I got accepted for a vanquis card the other day, only has a £200 limit but i assume this will also help my cause.

many thanks in advance to any replies.

atb chopper359