Collected Thoughts on Card Design (Part 2)

UK Financial Chat Fintech Chat
3416

0.25% Cashback is a really low rate I feel. Not really worth it in my opinion when you have cards like Lloyds Ultra, AMEX Cashback Platinum, Santander Edge, AMEX Vitality!

Heck even the Co-Op Member Credit Card offers 0.3% uncapped cashback on all spending!!

3417

I have the Amex already, this is more for use in France and where Amex isnā€™t accepted. The Santander cards are good but not sure Iā€™d use them enough to justify the fee.

3418

You considered the Co-Op Card?

0.3% uncapped cashback on all spending

3419

Monzo and LBG always issue new card numbers whenever the old card expires.

Do you have a current account with them atm?

3420

No, though I have in the past. Avoiding hard searches at the moment until my mortgage completes anyway!

3421

Co-Op though :scream: plus 2.75% FX fees

1 Like
3422

Very true but its a good cashback card for within the UK.

When I am allowed UK Credit I am thinking of doing all my spending on that card!

3423

Hereā€™s one - the scratches are from light use and simply living in my wallet

IMG_5394
IMG_53941920Ɨ1440 533 KB

5 Likes
3424

That just looks like a heavily heavily used card :rofl:

3425

Be better with a Chase debit card :joy:

1 Like
3426

Shame I am on the Chase #naughtylist

3 Likes
3427

Iā€™ve also had more cashback through Lloyds everyday offers this month than I probably would all year off any of them :joy:

2 Likes
3428

Lloyds Everyday Offers are very generous :rofl:

1 Like
3429

Theyā€™ll pay the Ā£250 switch reward 40 working days after you complete the switch conditions btw. :money_mouth_face:

1 Like
3430

What switch reward?

edit: the Lloyds one is ā€œwithinā€ 40 days, assuming thatā€™s down to the 30 days you can choose to switch up to ahead of time, and then the standard 10.

2 Likes
3431

Thatā€™s how my first direct cards would go by living in my wallet :rofl:

3 Likes
3432

Mine came like that straight from the envelope! Was shocked by how low quality the card is.

3 Likes
3433

:thinking: Still not exactly sure this is true. My current Lloyds credit card has the same 16 digit number as the first one I got 15 years ago, I just checked, I have them in a drawer. So definitely doesnā€™t seem to be standard to change it every expiry.

4 Likes
3434

Iā€™ve only been with them since 2018 so maybe the system treats user differently depends on when we become a customer.

3435

Only for debit cards. Iā€™ve been with most of the banks over the years, and none of them have ever changed a credit card number when itā€™s expired and renewed.

Debit cards, however, usually do change. Most of the number stays the same, but the last one, or two digits are different.

3 Likes