when i bumped my bank & credit card co--1993--i thought i had scuppered my chances of future credit.

i was able to open an a/c with abbey national--to pay my salary into. a plastic card--but only to access my a/c & draw cash if i had any! no use in shops--but it meant i couldn't overdraw.

years later--1998--i had cleared my debts--and was able to get a mortgage with the abbey---but i had inherited a good deposit by then