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    • baggers02
    • By baggers02 3rd Jun 16, 7:59 PM
    • 137Posts
    • 42Thanks
    Contactless cards
    • #1
    • 3rd Jun 16, 7:59 PM
    Contactless cards 3rd Jun 16 at 7:59 PM
    I have a Club LLoyds account and my debit card is not contactless - I've been told by them this is a credit rating thing and as contactless payments can not be authorised real time there is the potential for people going overdrawn etc.

    Today I received a contactless prepaid mastercard - so clearly the line about the contactless payments not being able to be authorised in real time is a bit of a porky.

    So in reality is this just an excuse to offer a degraded service to customers with a lower credit rating or do the banks really have an issue doing this?
Page 2
    • Paul_1977
    • By Paul_1977 4th Jun 16, 6:53 PM
    • 977 Posts
    • 305 Thanks
    Just had a new CC from HSBC, it was NOT contactless. Current account card was.

    That is the way I wanted it, so I don't have to worry about card clash on the tube.
    • Anthorn
    • By Anthorn 13th Oct 16, 8:43 PM
    • 3,160 Posts
    • 812 Thanks
    The mistake everyone is making is attempting to inject some form of sense and reason to Lloyds Bank's decisions. Like Apple putting a measly 1.2 MP front camera on the SE, the decisions of Lloyds Bank do not make sense. I suspect that they do it just to confuse everyone.

    In my own experience they gave me a credit card with £1,200 limit and a Classic current account with contactless debit card but refused a £300 planned overdraft facility. At that point I switched to Natwest.

    The moral of the story is if you don't like them vacate the premises because you aint gonna get no joy!
    • Kim_13
    • By Kim_13 13th Oct 16, 9:02 PM
    • 1,257 Posts
    • 1,644 Thanks
    It's strange sometimes. I've got Contactless from Capital One, NatWest, Tesco, Nationwide, Halifax (not that I want it.) Yet TSB wouldn't give me it. Typical.
    Sealed Pot 10 #520 ~ ~£10/£100
    VSP 2017 #9 ~ £108.83/£250.00
    CCCC 2017 #1 ~ £200.95/£120.00
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