Used Lloyds Ultra at 7 different locations across Europe on a cruise as well as the daily cruise ship spending hold, no issues with any blocks.
My ClearScore app now says Iām pre-approved for all the Lloyds credit cards so Iām hoping I can switch to the World Elite finally. Planning to get another month out of the 1% then will try and swap.
Decided to just switch to World Elite now.
Both cards are showing in the app as open.
Anyone who has done the card swap before know how long it takes to all move over? I assume the Lloyds Ultra cashback will be paid into the World Elite account once Ultra is closed.
Mine switched over overnight.
I didnāt move from Ultra, it was the other cashback card they had, paid into my World Elite when I switched.
They certainly have in the past. I had a Lloyds combined Mastercard (or VISA, canāt remember) and AMEX credit card account which gave you both a MC or VISA card and an AMEX card. I still have them somewhere but not immediately to hand. I think they rewarded you with Air Miles.
I had the Lloyds Avios Duo as well, but that closed I believe 7+ years ago. Canāt imagine theyād still have the AMEX wording in the app now left over from thenā¦
They are even moving away from Mastercard
Iāve just had another Ā£6 or so added to my Ultra cashback total after a couple of transactions cleared yesterday, so I guess Iām still on 1% despite being almost two weeks over my first year and receiving no emails/letters/messages whatsoever about the card
Kind of like what Stoa Money is doing?
Who knows 
never heard of them.
So no, itās an upfront interest payment for fixing your savings. Not some gimmick gift card scam.
Even an extra 0.20% isnāt enough to sway me. Upfront is a novel idea, but I see even fusty old NS&I are now offering ~5% AER on monthly income bonds
Just noticed Lloyds removed the references to the Ā£15 a month fee for the Premier account, and if you pay in Ā£5000 a month the fee is refunded.
The new wording suggests eligibility of Ā£5000 a month paid in, or Ā£100k deposited, without reference to the fee, or the guidance that multiple payments can make up the Ā£5000ā¦
I had a large-ish transaction on my Lloyds Ultra card last month, which got refunded, but not until after the statement date.
Iāve not spent much on the card this month, so was a bit surprised to see theyāve collected the current balance - Iād expected them to take the full amount from of last statement (and leave me in credit), whereas instead itās sitting at a nice round 0.
Is this a standard thing? I donāt think Iāve seen it before.
Standard thing, refunds reduce your balance. Also depending on when it clears and when the DD is supposed to be collected.
If youād spent more so your current balance was higher than the statement balance, theyād probably have taken the payment on the statement. But if your balance was less than that they wouldnāt charge an amount that would put you in credit.
fair enough - Iām sure Iāve had cards before where a refund didnāt reduce the direct debit payment.
