Personel reserve at barclays?

Question

my friend and other family members have accounts with barclays bank,today a new service came out,basicaly they give you a reserve amount and if you go overdrawn you wont get charged for it unless after 5days its still outstanding,then you only get charged £22,which is better than the £35 we normaly get charged,anyway they havent given it to me "why"i dont know,so i have to keep on paying £35 if i go overdrawn,even if i correct it within days,i asked the bank for it this morning and they said as i didnt get letter offering it to me i cant get it,my friends got it some of my family members got it.

Answer 1

From the bank's point of view, you are an easy £35 for each and every overdraft.  Your friends and family might never have overdraft their accounts, so Barclays has made it 'easier' for them to do so by reducing the overdraft fee hoping that they will actually go overdraft and generate additional fee income!  Fees are where banks make a majority of their income on personal accounts.

Answer 2

It is based on your history with Barclays.

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