LloydsTSB Visa Card

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 Premier have the lowest APR for purchases, which is currently 11.9% (the cash advance APR is currently 19.9% and 14.2% respectively); Vantage has the highest APR for purchases, which is currently 23.9% (the cash advance APR is currently 26.5%). The other products all fall somewhere between this range. Excepting Create Card, all of the credit card products are fairly standard. Createcard is designed to be a 'flexible' credit card - flexible in ...

ariadne 15.03.2003 (17.08.2004) · Read full review
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Review of LloydsTSB Visa Card

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 ...
...intention did not last long and I ran up a bill of just over £1000. Determined to cut it down, I religiously paid more than the minimum 2% they insist on. Just as I was making great inroads into paying out the debt, they increased my credit limit without me even asking them!!! I have now paid the card off, but have encountered another problem. they say that they have no annual fee – which is great. BUT, they do have a “low usage” ...

flupen 13.05.2001 · Read full review
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Review of LloydsTSB Visa Card

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 ...
...are more than happy to increase my credit limit. However, using internet banking, I recently paid both cards and only one was paid out, leaving one card payment overdue. I immediately put the payment back on (a Lloyds TSB error, I would point out) and tried to ring so my card wasn't stopped as I was about to go on my hols. I was chasing round for TWO HOURS round various customer service departments and in the end was told hard cheese, we will stop ...

sdys15453 28.09.2001 · Read full review
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Review of LloydsTSB Visa Card

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 ...
...seems like a great piece of plastic - 3.9% APR on transfer balances and a very competitive APR on purchases. There's no annual fee, and, I must confess, it's a bit of a status symbol really. I can actually convince friends and clients I'm slightly minted as I have a Platinum card, when actually I don't earn a small fortune or drive around in a Mercedes. But hey, works for me. Asset doesn't offer any reward scheme as such for using it's card, which ...

stuee 20.08.2001 · Read full review
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Review of LloydsTSB Visa Card

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, 20.4% APR after that. There is a good addition of free purchase protection to cover some items against theft or damage. An option to apply online is available. ...
...it has all the normal advantages -acceptable in thousands of places in the UK & worldwide, cash advances and so on. Loyalty points on offer is 1 point for each £10 spent. It has to be said this is one of the most useless loyalty schemes I have come across. You cant actually buy anything with just points. You can only get discounts on goods or special offers. ie for 50 points you can get 10% off Argos vouchers, for 50 points you can get 10% off holidays ...

ultras67 28.05.2001 · Read full review
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Review of LloydsTSB Visa Card

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 ...
...scheme and whether you choose to recieve Paper statments. I chose to pay a £10 annual fee, but no direct debit or cashback & to recieve paper statements. I don't think I could trust myself to do my entire business online, I would be likely to forget to pay or be so unfortunate that my mum would be hogging up the phone so long I wouldnt be able to get online in time for the monthly payment!. The balance transfer rate is currently 0& for six months, ...

RPalmer83 12.05.2003 (14.05.2003) · Read full review
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Review of LloydsTSB Visa Card

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 next bit of mail that i got through the door. That is not the only reason for choosing it, i had a good read through and there was loads of offers and benefits ...
...rate of only 15.9% APR. I must admit that i am not up on interest rates etc but this sounded OK. At the time there was a £10 low usuage fee that was charged if you didn't use your card more than 10 times a year. I didn't think this would be a problem so didn't worry about it. Anyway, i applied for the card and received it a week or so later along with a leaflet about all the benefits. The benefits include travel insurance if you buy your tickets ...

spanna123 11.04.2002 · Read full review
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Review of LloydsTSB Visa Card

...I would recommend the LloydsTSB card if you really don't care about points schemes, because this one is pretty useless, but if the schemes on offer would be a deciding factor for you in choosing a card, I would suggest the American Express Blue card or the Alliance and Leicster visa, which both offer cashback. ...

dalg 23.03.2001 (22.03.2001) · Read full review
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Review of LloydsTSB Visa Card

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 getting statements via the internet, rather than the post. Even so, the lowest interest rate you can get is about 15.4% which is fairly ordinary compared ...
...Smile, Egg, Tesco... etc etc). This 15.4% can only be achieved if you also take on board an annual fee. If you want cashback as well (the most you can get is 0.5%) you will more likely get an interst rate at around 17%... no annual fee? Try an interest rate of 18%. On a positive note, it is very easy to see the deal you're getting. You move three sliders across to get the balance of interest, fee and cashback that you want. But then even the best ...

a_marshall100 22.03.2003 · Read full review
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Review of LloydsTSB Visa Card

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 with their credit limits (which is not always an advantage) and review them annually to offer an increase which you can refuse if you prefer. I initially ...
...on transfer from other credit cards for six months and fully expected to transfer to another provider later on as I always have a balance on my card. However after I had had the card about ten months and the offer period had elapsed,I was considering looking for another deal when I noticed a message on my statement offering a reduced rate of about 4% on my card for a further six months. I rang them and accepted the offer. This offer has been repeated ...

Ellio 11.10.2002 · Read full review
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Review of LloydsTSB Visa Card

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 miles. It was the first credit card I was offered, as I bank with Lloyds, and not being to clued up on the whole situation of credit cards I agreed. I ...
...some of the best deals around. This card is probably suitable for people who want every credit card ever, but otherwise you could do a lot better. It doesn't even have a nice picture on the front! Although they seemed to hint that they may start soon, they don't offer internet banking, so you have to sit on the telephone for quite some time to receive an idea of your balance, and unlike some card companies you have to pay for the call. A few times ...

BenJames 10.04.2001 (05.07.2001) · Read full review
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Review of LloydsTSB Visa Card

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 internet banking with them, I could check my balance and withdrawals on a daily basis and was surprised to find that Lloyds were adding at least £1.00 per day ...
...after the six month period, to my horror. So then I decided to phone my bank only to find that in the small print, which you should always check, even though you THINK you are getting good benefits, you arent. I have been a customer with them for quite a number of years and I really am thinking about moving to another bank as I am not the least bit happy with them, so watch out, always double check before you spend especially at this time of year! ...

lynn02904 09.11.2003 · Read full review
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Review of LloydsTSB Visa Card

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 went on using it very little as I had done with the old one, only to be charged for this when the year was up. When I went to see the bank about this they ...

Gavin_Willis 31.03.2001 · Read full review
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Review of LloydsTSB Visa Card

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 probably a scam and to ignore it. Calls became more frequent - typing 1471 usually said that the number was withheld then, once, a number was given. BT said ...
...called her branch (via a call centre). They had no Idea what was happening. Eventually discovered (thank Google) that it was Lloyds TSB credit card services - apparently my Mum's latest payment was late. So, if you get an automated message - it may be Lloyds or it may be a scam - you decide! ...

Vlad_the_Impala 11.01.2007 · Read full review
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Review of LloydsTSB Visa Card

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GSTRING 06.10.2001 · Read full review
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Review of LloydsTSB Visa Card