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From 1 August, HSBC will provide data on its borrowers to the main credit reference agencies: Callcredit (a relative newcomer), Experian and Equifax. This plan will affect five million (almost half) of HSBC's personal customers, including myself. So, if you bank with HSBC and have a good history of managing your finances and debts, you may find it easier to obtain credit from rival banks in future. On the other hand, if your personal finances go off the rails every now and then, you may find future applications for credit being rejected more frequently than before. As with most things in life, some people win and others lose!What is considered bad. For example, if you have an authorised overdraft of 1K and are 900£ into it permenantly but never go overdrawn is this considered OK?