When I cant get credit for a student account? I've tried applying at the Halifax but they turned me down because I completely rinsed my old student account at Natwest. Now, if I try applying to any other bank for an account, they'll notice that I've been rejected. I'm only 21 and I've already got a bad credit rating!:-( Does anybody know any banks or places that would be a little more gentle with me? And please dont suggest any of those dodgy loan companies! Oh!!