No, that’s not a euphemism. I’ve been banking with Nat West ever since I was a student, which is more years ago than I care to remember: in those days campuses were swarming with banks eager to get their hands on your student grant, though not so eager to offer an overdraft. This was fine by me; credit is far too easy to get nowadays and that makes me – well, uneasy. Be that as it may, there came a day when I fell on hard times and needed an overdraft. By then it was all too easy to get, and thanks to the charges I got deeper and deeper into debt; in the last few years my balance has bumped the limit of the overdraft on a monthly basis. I was just about coping with the charges but then they saw fit to double them, since which time I’ve been desperate to change banks. Nationwide, being just about the only mutual left, is the obvious choice, but how to do it? I could have transferred my overdraft but I wanted to start with a clean slate, with an account that had no overdraft facility. Yet how was I going to get my hands on that sort of money?
And then there was a windfall. Miracles may take longer but they do happen, and thanks to this windfall I was able to pay off my overdraft in one fell swoop. I kept opening my banking app to gaze at my balance, in the black for the first time in years. But the greatest joy of all was to give Nat West the heave and switch my account to Nationwide. The switch was completed today and it gave me huge twinges of pleasure to cut up my old debit card and stick it in the bin.
The joy of bank.