Thatâs the tricky part, if I reduced one, thereâs no guarantee the other would allow me to increase cos the facility was given according to the different circumstances I had when I held Halifax compared to Lloyds. But without reducing one, I canât increase the other, as that would mean the arrangement goes over my monthly income.
Mad how they can use machine learning to scour my spending behaviour across their products but wonât treat me as the same customer profile.
Ultimately, overdrafts are the most expensive form of lending, is it worth having such a limit, especially when I believe it doesnât count towards your credit utilisation on your credit file for example?
Itâs a valuable emergency measure for situations like needing a deposit for a new place while youâre still waiting for DPS to release your current placeâs deposit, late salary arrival on bills date, or paying for services that donât take credit cards, etc. Basically a 7-day breathing room. Thatâs why I commented on the other thread that itâs not worth having an arrangement higher than your monthly bills.
Fairs, are you self employed or just work for a dodgy employer that canât pay on time? 
Luckily Iâve not been paid late but I used to be self-employed, and cash flow used to be sporadic.
It crossed my mind that each employer (or clients in my self-employment days) runs different payroll cycles, so if youâre paid 4-weekly but bills always come out monthly it could affect your cash flow sometimes. Again, Iâm lucky itâs not my situation but seeing other people being 1 paycheck away from homelessness makes me think about contingency plans.
This is more bad money management than an employer paying 4 weekly 
An emergency fund is the way to go, built up to 3-6 months outgoings for eventualities, which removes falling into the expensive debt trap banks pray on.
Everyone has their own methods though.
Start using your card, they will show up quicker. They usually get updated weekly for me.
While I agree with the sentiment, not everyone can afford to do that. Especially with the cost of living rising as fast as it is and the frozen tax thresholds.
Surely itâs easier if youâre paid four weekly and your bills arrive monthly because youâll get paid twice one month per year?
I was gonna reply with that exact point, too.
Not to mention, the point of having 3-6 months saving is to use in situations like taking a career break due to various reasons, not just emergencies. Overdrafts arenât bad if the owner knows how to use it. One can have a few monthsâ living costs in a saving while using credit cards and occasionally dip into their arranged overdrafts, those facilities donât have to be mutually exclusive. 
No, itâs generally recommended for emergencies. Unplanned events like sudden illness, or losing your job, when youâd be worried how youâre going to pay your mortgage, or rent, and bills.
A career break is something you should have planned, and budgeted, for.
Last week I opened up a current account with Lloyds and for some reason the first set of transactions disappeared from the app and canât see them. I can see transactions from Tuesday onwards though and all transactions are visible on online banking. Lloydâs have so far been hopeless to resolve. Has this happened to anyone before? Thanks.
Have you checked if the transaction appears by logging onto desktop site , we had this error before and was resolved
Yes on desktop (online banking) every transaction is visible. How did you get it resolved?
Cashback is finally here. 
Card has only just been used less than a handful of times.
PS: Offers are a bit poor due to lack of spending data. 
It wonât change. I use them daily still get random stuff. I think more use gives more options but rates are the same
Used the harvester one a few times and Toby carvery. The offers arenât that great, similar to Monzo, but the ones like sky tv or Tesco mobile, saying two direct debits to made as new customers - if youâre already a customer of the merchant you can just move your direct debits over to get the cash back after the first to payments, Lloyds donât know any different.
Itâs also generally worth just activating all the offers imo.
On the contrary, Halifax is giving me a total of 72 offers atm - loads of hotels and gadget offers, even budget shopping like B&M. 
Iâve got two offers on Lloyds. Greggs and Sainsburyâs 
