It was a decline on the terminal. I donāt see anything in the app.
Iām sure itās related to the amount because I make loads of transactions for smaller amounts with what feels like a 100% success rate and I rely on it completely (I donāt carry my wallet). But bigger amounts - a big restaurant bill or this car service - it seems hideously unreliable.
Might not be related, but I had something similar with my ultra card. It turns out that if the business you are purchasing form has a new card reader device (under 60 days) Lloyds will not let certain transactions go through. I had my car serviced which got rejected and the following day when I picked my car up, they confirmed they recently had a new terminal and a few people were getting rejected.
Iāve had a similar issue in the past with my Halifax credit card and Google pay. I had to wait something 24 hours before using Google pay again as everything on Google pay was being blocked and I had to either switch to another card or the physical card.
Had my new Lloyds Visa credit card through today after the switch from Mastercard. Had that card 15 years and first time itās had a whole new PAN. RIP old PAN 
T&Ps.
I thought Iād get the Lloyds Ultra credit card for the 1% cashback and no foreign fees. However realised it drops to 0.25% after a year which is less than the current Halifax credit card which has the cashback at 0.5% (used to have a higher 1% for supermarket and convenience store spend when I first got it many many years ago). I guess I should keep it around so that I move back to it when the 1% offer is over (or find another one that might have a better rate).
Any other ideas for reasonable cashback rate?
Depending on what you spend money on, Santander offer 3% for the first year on certain categories.
NatWest Travel Rewards consistently offers 1% on travel spend.
0.5% on everything is pretty decent for a UK credit card.
Natwest wonāt offer me a card at the moment, maybe in the future. Annoyingly itās 0.1% for everything else on that one.
I think keeping the 0.5% one around is likely the best option for now, and see how long it lastsā¦
Itās a debit card but trading 212 often has a 1.5% rate capped at Ā£15 a month
From their posts, it looks like they are on a grandfathered product.
They forgot Limits on Apple Pay
Or for some people the
Lack of Apple Pay
This is fixed now. Call centre can deal with this.
Hard agree. I prefer a bank where I donāt have to phone a call centre every time I want to make my card work with Apple Pay.
Just another Lloyds gripe.
So they ran a promotion at the beginning of the year that if you open a savings account and maintain a balance of Ā£2,000 for 6 months theyāll give you Ā£100. A good deal, right?
So I did just as they said, opened a savings account, complied with all their terms of the offer. Weāre now coming up to about 2 months after I should have been awarded the cashback.
I contacted them via chat, useless, they persistently referred to the monthly Ā£10 cashback and thought I was mistaken. Even after showing them the link from their own website, still not enough
So I called, first person said ok let me just look into this, then after sitting on hold, cut me off. So I called back and spoke to someone else who ācheckedā and told me the reason I didnāt get the cashback is because I held a savings account with Lloyds previously about 4 years ago.
The terms are clear:
1.1 be an existing Lloyds Premier Current Account customer who does not currently hold a savings account with Lloyds Bank in your name (Sole or Joint) at the date you apply for the savings account
But hey, what do I know.
So in summary I was told, Iām not eligible and thatās final, despite the guy reading the terms line by line and I pointed him specifically to 1.1 and him acknowledging that yes I did comply with the conditions.
I was ready to just empty the account and move on from Lloyds, but then I thought to make a complaint, which wasnāt too onerous, then lo and behold, the cashback lands in my account late last night.
Battling with your bank for an offer they approach you with and you meet all the eligibility requirements is pretty crazy.
Iād be interested to know whether anyone here was offered this, and you got your pay out.
Itās my plan. Especially with my Zopa savings account promotion ending next month.
Yes Iām on an older grandfathered product, earliest statement is November 2012, so nearly 14 years old. Used to have a slightly better rate, and I had to phone up every time I accrued Ā£15 (or multiple of) or cashback. Now they have standardised the cashback so that itās credited one a year in January.
