Car finance in the Lloyds app has far better rates than going to Black horse. I am on my third now and generally happy with Lloyds.
1 Like
Probably look at your notifications settings. Mine are instant, though not taken notice of any vibrations.
All settings are on as they should be, wallet notifications donât vibrate.
Not sure about Uber on Lloyds, but the Uber offer on NWG, Virgin Money and Barclays works with Uber trains (15% off)
1 Like
Fine here.
1 Like
I havenât used Lloyds in a while but have noticed you can now swap a credit card to another one.
Does anyone know if this creates a hard search on your credit report? For example Barclays let you swap without this.
Performs a hard check afaik
2 Likes
It has been available for some good years.
I have changed multiple times with no additional hard searches. They just do soft searches.
I also got a second credit card no hard search was done.
Car finance also didnât do a hard search, inly soft searches.
1 Like
Taken from the website:
Applying to swap your credit card could affect your credit score in a few ways:
-
Any full application for credit will be recorded on your file at the Credit Reference Agencies.
-
If your application is approved, the total amount of credit available to you may increase, which could limit further credit applications being approved, at least in the short term.
so it looks to be the case, sadly.
2 Likes
Iâve swapped twice, it always incurred hard checks so I swapped both cards at same time, might as well.
If you want a particular credit limit for the type of card you wanna swap to, call them up to redistribute the credit limits first before swapping or else youâll have to wait for 3 months of active use before you can redistribute credit limits or ask for an increase (which incurs another hard check).
It seems I am treated differently by Lloyds. My increases also do not call for hard searches, I just get soft ones.
Same for additional current accounts.
My last hard search from Lloyds was in 2019 when I first joined. Even the first credit card they gave me didnât have a hard search record. I only see Identity and affordability soft searches carried out.
I hope it remains like this for me.
1 Like
Yes I check all three very often. For example I took out car finance end of August. No hard search anywhere, but the account is already being reported.
This January I have also opened a new Club Lloyds account for the switch, all I see are soft searches with Transunion.
See my Experian, very clean 
Then Transunion
And Equifax
1 Like
My second card was preapproved so no hard searches AFAIK. But the swaps deffo trigger hard searches cos I could see them on my TransUnion.
Every time I enquired in-app about changing my credit card limits the app warned me it might incur hard checks so I didnât go ahead. I think if I kept the original limits, the swap wouldnât have triggered hard checks.
1 Like
I get those too and just crack on. I got 15k limit when I was just seeing if they could approve it, from 7k. I just punched in 15k just to test.
On the second card I put in 5k limit and they said I could get up to 12k on it but I chose a lower limit on it.
2 Likes
I have been entering from last year but no luck yet
1 Like
Which credit agencies do Lloyds report new applications to? My application for a second card hasnât shown up on the Transunion (through Credit Karma) however it has started reporting the history.
The redistribution of credit limits amongst the two cards was very easy, I did it over the phone after the call to unblock my new card, I was told they can only do this every 6 months.
Iâve only ever kept the original Lloyds card open as itâs an ancient credit card and so allegedly good for the file.
Last and first hard one I had with them was with Transunion. That is where the soft searches are also done.
To avoid a phone call, increase the limit on the card you want and keep both limits or cut the other one later.
1 Like
Iâve had a single Lloyds credit card since about 1997, and have chopped and changed products and increased limits from time to time with definitely only soft searches to show for it in the last 5 years or so Iâve actually been checking
They will do a credit check for that, though, and you might fail it. Swapping, or redistributing the limits, doesnât incur a credit check, as long as the overall total limit of all cards stays the same.
I probably have perfect timing.
1 Like