It is waaay too easy to get an overdraft increase. Conversation went as follows:-
Ed: Hello, I want to increase my overdraft.
Bank: How much by?
Ed: I reckon another 500 quid should do it for the time being.
Bank: Do you have your bank and student card?
[hands over cards]
Bank: Are you a final year student.
Ed: No.
Bank: OK, fill in your name and address on this form.
Ed: OK
Bank: Your interest overdraft limit has been increased, with effect from now.
Ed: Thanks.
That was it! Humm... getting yourself in debt is waaay too easy.