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16 Reviews

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I have been a member of lloyds since 1966. I have invested thousands of pounds with them, I have several accounts with them, and have used this local branch for seven years. I went in today to... more

User Reviews

for LloydsTSB Visa Card

Rating Summary based on 16 reviews

  • 5 Stars
    1
  • 4 Stars
    3
  • 3 Stars
    8
  • 2 Stars
    1
  • 1 Star
    3

Detailed rating

  • Additional Charges
  • Competitiveness of APR
  • Ease of Application
  • Product package
  • Quality of Customer Service
  • 2.5
  • 3.0
  • 3.7
  • 2.9
  • 2.7
  • 83 of 83 Ciao users found the following review helpful
    Picture of ariadne

    ariadne

    User recommends the product

    Advantages Advantages Ease of application and operation

    Disadvantages Disadvantages High APR rates and poor benefits/rewards

    Lloyds TSB offer a wide range of credit cards which, despite the category title, are generally available in both Visa and Mastercard options. Cards currently issued by Lloyds TSB include Advance, Classic, Classic Reserve, Create Card, Gold, Platinum, Premier, Trustcard, Trustcard Platinum and Vantage. Products Available Lloyds TSB currently has 10 credit card products, all of which may be applied for - excluding Classic Reserve and Trustcard (these are only available to existing cardholders). Advance and Premier have the lowest APR for purchases, which is currently 11.9% (the cash advance APR ... more
  • 35 of 36 Ciao users found the following review helpful
    Picture of flupen

    flupen

    User recommends the product

    Advantages Advantages good credit limit, helpful customer service team

    Disadvantages Disadvantages you have to pay back what you borrow!!!

    I have a gold card from Lloyds TSB and I must confess, I only got it because when I went into the bank for my “annual review”, the customer service girl really pushed it and told me how useful it would be. I just took her advice, as I have found Lloyds helpful over the years, especially when I have been in dire financial straits, so I duly signed all the paperwork and left. The card arrived shortly afterwards. I had thought I would keep it for emergencies only. But like most people, this good intention did not last long and I ran up a bill of just over £1000. Determined to cut it ... more
  • 11 of 11 Ciao users found the following review helpful
    Picture of sdys15453

    sdys15453

    User recommends the product

    Advantages Advantages Easy to use. Statements are prompt, leaving good time to pay.

    Disadvantages Disadvantages High APR, useless points and customer services are clueless.

    I have had the Lloyds TSB visa and mastercard since about 1985 (show my age now!). I never had any problem with the APR until other banks and building societies brought in cards with good introductory rates. Now it seems Lloyds TSB has one of the highest rates around. I did ask for a more competitive rate on two occasions, but I am still waiting for anyone to get back to me on that! Having said that, it has been widely accepted everywhere, and whenever a major financial disaster in my life comes along, they are more than happy to increase my credit limit. However, using internet banking, I ... more
  • 17 of 17 Ciao users found the following review helpful
    Picture of stuee

    stuee

    User recommends the product

    Advantages Advantages Low APR, no annual fee, looks pretty

    Disadvantages Disadvantages No reward scheme

    Lloyds TSB recently issued me with one of their Asset Platinum cards. This came as quite a surprise to me as I only earn £15,000 a year, and was under the impression that a Platinum card holder had to earn a fair bit more, but having been a good customer for a number of years (and spending a small fortune each year with Lloyds on other financial products) welcomed the offer. Two weeks after applying, my shiny new Platinum card duly arrived, along with it's not unsubstantial £3,500 credit limit. So far it seems like a great piece of plastic - 3.9% APR on transfer balances and a very competitive ... more
  • 30 of 31 Ciao users found the following review helpful
    Picture of RPalmer83

    RPalmer83

    User recommends the product

    Advantages Advantages Create a card to suit you, online or posted statements

    Disadvantages Disadvantages slow to respond

    I have just applied for a Lloyds TSB createcard because I already have a card with Capital One which is dire to say the least. I have a limit of £200 and im basically up to this limit. The intrest i am incurring is nearly £5 a month for this so the balance is barely going down. I chose createcard because it sounded an interesting concept, the APR goes down depending on whether you choose to do your 'dealings' online or not, whether you pay by direct debit or not, if you want to recieve a cashback scheme and whether you choose to recieve Paper statments. I chose to pay a £10 annual fee, but no ... more

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