🐎 Lloyds Banking Group Chat

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4897

I think you mean this post.

I don’t know if the same holds true for newer credit card products but it may do. My accounts date back to 1990 and the current Platinum charge card to about 2001.

When I got my account, BIN 3742 was UK GBP charge cards. 3742 8 was a subset of that for Gold/Platinum within which 3742 88 was Platinum when it was still invitation only and had a similar rarity value to the current Centurion.

I suspect I got my “by invitation only” Platinum card around the time they were trying to persuade some Platinum people to upgrade to Centurion, and were flogging Platinum to existing Gold cardholders. The reason I suspect this is that my Platinum card was 3742 82 (not 3742 88).

Edit: digits 13 and 14 are the number of the card on the account so 00 for the primary card. My supplementary and additional cards are up to 05 now and I can have one more for free. But the business accounts used to allow up to 99 supplementary cards - and after that they’d have run out of digits.

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4898

This is proper Dull Men’s Club knowledge, I love it.

If you have two Amex cards opened recently as the primary account holder (sorry, cardmember), it’s likely they’ll both end 100x, and a 1 in 10 chance they’ll have the same check digit.

I did once have two cards with the same four digits on the end, and asked if there was any way they could make them different - I guess it’s an easy fix, because by reissuing the card, digit 13 will increment and digit 16 will change too.

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4899

That’s a pain on certain websites where they only show those 4 digits. As you say, an easy fix in the case of Amex.

DMC is awesome :grin:

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4900

Might start referring to this when people ask what my hobbies are.

My new partner doesn’t understand why I spend time on here, or invest my time in banking in general. Most certainly does not grasp why I have over 100 debit/credit cards stored away :flushed_face::joy:

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4901

Called Lloyds just now as the cashback offer for Sky tv £40 hadn’t been paid even though I’d made two payments through November (albeit card payments but the offer details didn’t specify direct debit, just payments).

Anyway, short wait time to the first colleague, who promoted the Message Us service before transferring me to the Cashback team.

Another short wait to this other colleague, who at the end of the call again sold the Message Us service as if it’s now in their call flow to push folk to this.

I did explain at the start of each connection that I’d already been through Message Us who told me to call. The last guy did say the service will soon have colleagues from more departments being added to it for quicker servicing.

For my cashback, a complaint had to be raised for them to pay it as the system weirdly wasn’t playing ball - I didn’t request the complaint, the colleague did.

All resolved and paid within 20 minutes.

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4902

Literally the same here. I am almost ashamed of my continuous delivery of cards and bank accounts…

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4903

It’s just a “ooooh look at this one!” met with a sarcastic :face_with_crossed_out_eyes: and then on with his day :joy:

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4904

I thought I had a sky TV offer but now I can’t see it, so wondering why I moved my DD over.

Waiting to see if the sky mobile one works when the second payment goes out later this month.

4905

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If you head to your activated offers, at the bottom there’s a tab to find expired offers.

4906

Ah yes, I see it now, on the third attempt at scrolling through the list! I’m not a new customer though, which seemed to be a requirement, so maybe that’s why I didn’t get it.

4907

Just call and query it - I was just about a new customer and only activated the offer after joining; if they ask just say you’re new.

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4908

Thanks, will try later. The hyperoptic one tracked ok but no mention of having to be a new customer on that one.

Update: It’s been sent to “Back Office” and may take about 5 days to investigate.

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4909

I’m a secret horder of cards, my wife will never get why I need to change banks “again” :joy:

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4910

Yep, my wife just rolls her eyes when I talk about it. She’s stuck with one bank and can’t see what the fuss is all about.

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4911

Same here, I’ve got a great big pile of cards!

I’m trying my best to cut it down now though, as it’s not good for me lol

Down to Lloyds and HSBC now, still have 6 cards between them though

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4912

All my cards go through a shredder. It’s like a card death row.

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4913

Whenever I have one on the way I only hope it is delivered when it is me around.

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4914

So I was out last night in town, didn’t take my wallet as I normally don’t and rely on Apple Pay.

Halfway through the evening all my Lloyds cards (credit and debit) started getting declined, so I was pretty stuck!

I contacted Lloyds about it and they said:

To protect customers from Fraud, we limit the amount you can spend in a day by Apple Pay. As you have reached your daily limit, the payment you’ve attempted won’t go through today. The limits reset at midnight, so you’ll be able to transact as normal after this. In the meantime, you can still use the physical card.

This is the first time I’ve ever come across this, has anyone else had it? The ‘daily amount’ seems to be something low like around £80 do these cards have basically become unusable now for me on Apple Pay as I spend more than that most days and have never hit a limit on Apple Pay before

4915

Does seem a bizarre limit, one I’ve yet to come across.

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4916

That’s not good :neutral_face: I always use Apple Pay & never use cards. I have read a few people saying Lloyds has an Apple Pay limit, not sure how common it is though. I always use Apple Pay with my nationwide CC & have made payments £1k+ recently and not one issue. That would put me off using a bank if they limited that :grimacing:

2 Likes