What are the Lloyds benefits? I have the BA Amex for home use too
The Lloyds Avios Amex offered Avios like the BA card, but at a lower rate (1.25 Avios/£). The main advantage was no FX fees when used abroad. There was an accompanying Mastercard but the Avios earning rate on that was pitiful (0.25 Avios/£), but it too had no FX fees. There was a bonus voucher if you spent £7k a year on the cards, which let you upgrade an Avios booking to the next class, which could be quite useful to get a Business booking at the Premium Economy rate.
Unfortunately the card has now been discontinued, and while I still have mine I’m going to get a letter sometime in the next few months telling me I’m being transferred to a card with a much worse deal. It’s already closed to new applicants. Hence I’m looking around for new alternatives for foreign spending. So far I’m tending to Tandem as it gives me the small amount of cashback, but the customer service and app are fairly bad. I might end up just using Monzo and ignoring the cashback/reward elements since they’re so minimal these days.
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Will Jaja be only the 3rd credit card that provides real-time notifications/balance updates (the other two being Amex and Tandem)?
Or are there more that have this feature?
Have signed up as responses have answered a couple of questions I had - will be interesting to see what happens 
My link if anyone needs it:
@anon25639309 I know you are gearing up but are we talking days or weeks until you start onboarding people in the beta phase?
Are they already onboarding? I’m moving up the list somehow…
I’m moving up the list also so they must be taking up beta testers?
Not sure they are -happy to be corrected. I am in single digits on the list but actually went down a place today!
It would be good to know a rough timescale even if it’s next month, December etc.
Going down makes sense, because people can make referrals and jump the queue, thus pushing you down. But going up without making any referrals make no sense unless they’re signing people up?
Could be removal of people suspected of abuse
https://jaja.co.uk/waiting-list-terms/
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I’m also in single digits… surely we should be in by now, unless there is a constant stream of people moving just ahead in the queue?
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Have to say I’m bored with marketing by artificial scarcity and games.
I’ll wait.
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Maybe we’re being impatient but I must say, it’s tiresome. I’d prefer the team at JA JA to plan out their messaging to coincide with the interest they’re generating.
I was very pleasantly surprised by the marcus opening - 2 days warning then open to everyone.
But then I’m getting old.
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Big difference between an established (and very wealthy) company launching a product in a new country and a startup, who are still crowdfunding
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Seems I have 1 referral so thanks to that person who used my link 
Jumped up a fair bit on the list, very weird
I’m currently 6th in the list even though I joined late. Referrals really jump you up quickly until you get close to the end then it moves slow.
Seems like a good way to encourage people to make referrals
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I was second on the list yesterday and eighth today. All getting a bit annoying… 
I don’t really understand the annoyance/impatience with the waiting list.
I haven’t seen anything which suggests a launch is ongoing or imminent and we know we can move up and down the waiting list depending on referrals.
The closest I have seen to a suggestion of a launch date is in the T&Cs
We may send you further details and an invitation to soft-check later this year, before onboarding
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