If they are offering it then go for it. Dont take the overdraft if offered but they probably wont give you an overdraft anyway. Good account,its the flex plus account at £10 a month,bargain even if you only used the mobile phone cover. We just got the account 3 months ago after 6 years on a co op cashminder account.
Paul
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
We've got the Flexplus account as our joint account and I can definitely recommend it. We more than get our money back and it was the only way we could get travel insurance - their insurance covered us (for an extra premium) when none of the other companies would accept us.