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LloydsTSB Visa Card

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Good

“Classic Credit Cards”

published 15/03/2003

Ease of application and operation

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...

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Good

“dont pay the fee”

published 13/05/2001

good credit limit, helpful customer service team

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...

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Good

Easy to use. Statements are prompt, leaving good t...

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

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...

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Super

“Asset Platinum Visa”

published 20/08/2001

Low APR, no annual fee, looks pretty

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...

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Good

“A curates egg”

published 28/05/2001

Online fraud guarantee, credit card cheques, no fe...

Crazy loyalty scheme, high interest rates

Apply for and use a TSB Trustcard Visa Mastercard you will earn free loyalty points. The credit cards are standard fare, offering the option to transfer your balance from another credit card ( but no points are awarded for this ). 11.8% APR introductory rate for 6 months on transfered balances...

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Good

“The Asset Gold Card”

published 11/04/2002

No annual fee, Competitive rates, loads of extra b...

You have to earn over £12000 a year

About a year ago i decided that i needed a credit card. I believe that everyone should have one, you never know when you might need it. I get loads of junk mail, as i suppose everyone does, about credit cards, loans morgages etc. I had already decided that i needed a credit card and this was the...

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Good

“Create yourself a card.”

published 12/05/2003

Create a card to suit you, online or posted statem...

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...

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Super

“Pointless Points”

published 23/03/2001

widely accepted, comparably low apr

points redemption choice pretty poor

I've been using this card from way back before there was a points scheme in place, about 16 years. At first the points seemed like a good idea, but it's actually resulted in me accumulating a serious amount of points and nothing useful to sue them on. If your idea of points being handy includes...

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Good

Interest free period, some flexibility

High interest rates

The LLoyds TSB Createcard is the newest in the Lloyds TSB stable. It is 'flexible' in the same way as Accucard (which this card is probably based on). You can decide between interest rates, cashback and annual fees. You get the best deal by paying the minimum or maximum amount by Direct Debit and...

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Excellent

“Lloyds look after you.”

published 11/10/2002

Excellent special offers, Good admin

None that I can think of!

I have had a Loyds TSB Visa card for many years now and have always been extremely pleased with it. The statements are sent to you promptly and give you plenty of time to get a payment sent. The minimum payment on the account is £5 or 2% of the balance whichever is the higher. Lloyds are generous...

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Not for me

Money for nothing, for about 50 days.

Excessive interest rates and no bonuses

I got a LloydsTSB Asset Card about two years ago, i didn't use it after the initial six months, probably a good thing too. I just put £2000 on it, and they are charging me an extremely excessive APR, i am now having a tough time paying it off, they don't offer any incentives like cashback, or air...

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Not for me

“Lloyds Platinum Visa”

published 09/11/2003

0% APR for 6 months was attractive

interest added on daily basis to balance

Went into my Lloyds TSB Bank for my annual account review and was offered a Platinum Visa to my surprise as I only work part time at the moment. So within a few days received the card through the post and due to my spending habits, decided to use it as it was 0% for six months. Since I have...

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Good

“LloydsTSB asset visa card”

published 31/03/2001

Accepted all over, balances easily cleared with in...

If you use the card less than 10 times in a year y...

I used to have a standard TSB visa until a few years back, and due to me not using it often enough when it came for renewal TSB didn't send me a new card. So I happily went on without using my card for a while, until one day they offered me a Asset Visa instead. I was accepted for my card and...

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Satisfactory

okay credit card

Terrible customer service sounds like a scam

My 75 year-old mother received a number of phone calls claiming to be "an important message from Lloyds TSB" done in a very suspicious "recorded message" style. It asked her to press any button to continue - She hung up instead. Called the Telephone Preference Service who said that it was...

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Super

“wekicked fing”

published 06/10/2001

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