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  • FIRST POST
    • keef-WhatStandards
    • By keef-WhatStandards 12th Jul 17, 8:51 PM
    • 58Posts
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    keef-WhatStandards
    Activation
    • #1
    • 12th Jul 17, 8:51 PM
    Activation 12th Jul 17 at 8:51 PM
    It seems the norm for banks to ask you to activate your credit card via the phone now, but I believe some offer online activation.

    Any thoughts on why some banks offer online activation for debit cards but insist you use the phone for credit cards? Surely they use the same checks for both. Why not offer the alternative for both?
Page 1
    • zx81
    • By zx81 12th Jul 17, 9:01 PM
    • 12,561 Posts
    • 12,741 Thanks
    zx81
    • #2
    • 12th Jul 17, 9:01 PM
    • #2
    • 12th Jul 17, 9:01 PM
    Different checks, different customer groups, different cross sell strategies, different customer experience, different lenders.

    All my credit cards are online.
    • keef-WhatStandards
    • By keef-WhatStandards 12th Jul 17, 10:39 PM
    • 58 Posts
    • 0 Thanks
    keef-WhatStandards
    • #3
    • 12th Jul 17, 10:39 PM
    • #3
    • 12th Jul 17, 10:39 PM
    Well I have debit and credit cards with the same banks, so assume most customers have.

    By online, do you mean all activated online?

    Both of my latest have insisted on phone activation: Halifax and Tesco.
    • Nebulous2
    • By Nebulous2 13th Jul 17, 4:18 AM
    • 1,502 Posts
    • 912 Thanks
    Nebulous2
    • #4
    • 13th Jul 17, 4:18 AM
    • #4
    • 13th Jul 17, 4:18 AM
    I don't keep track, but a lot of my replacement cards don't need activation at all. Simply sign and destroy the old one.
    • keef-WhatStandards
    • By keef-WhatStandards 13th Jul 17, 2:09 PM
    • 58 Posts
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    keef-WhatStandards
    • #5
    • 13th Jul 17, 2:09 PM
    • #5
    • 13th Jul 17, 2:09 PM
    Makes sense to have some form of activation, but in this day and age banks should offer online as well as telephone options.
    • Novice investor101
    • By Novice investor101 13th Jul 17, 2:43 PM
    • 26 Posts
    • 7 Thanks
    Novice investor101
    • #6
    • 13th Jul 17, 2:43 PM
    • #6
    • 13th Jul 17, 2:43 PM
    My new Virgin CC was online activation. Done along with the online account set up. The PIN number was also sent that way. Very efficient, it was.
    • ndf9876
    • By ndf9876 13th Jul 17, 3:51 PM
    • 84 Posts
    • 38 Thanks
    ndf9876
    • #7
    • 13th Jul 17, 3:51 PM
    • #7
    • 13th Jul 17, 3:51 PM
    Activated my new Lloyds BT CC online - a process which leads into signing up (optionally) for internet banking. Saved me a lot of time and hassle.
    • keef-WhatStandards
    • By keef-WhatStandards 13th Jul 17, 8:41 PM
    • 58 Posts
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    keef-WhatStandards
    • #8
    • 13th Jul 17, 8:41 PM
    • #8
    • 13th Jul 17, 8:41 PM
    Yes, will have to look at Vrgin CC next I think.
    • keef-WhatStandards
    • By keef-WhatStandards 13th Jul 17, 8:43 PM
    • 58 Posts
    • 0 Thanks
    keef-WhatStandards
    • #9
    • 13th Jul 17, 8:43 PM
    • #9
    • 13th Jul 17, 8:43 PM
    I'm not sure about Lloyds. Had an account with them since late 1970s, but they didn't seem bothered about losing my custom when I moved to a town without a branch a while back.
    • tempus_fugit
    • By tempus_fugit 13th Jul 17, 8:51 PM
    • 132 Posts
    • 169 Thanks
    tempus_fugit
    I'm not sure about Lloyds. Had an account with them since late 1970s, but they didn't seem bothered about losing my custom when I moved to a town without a branch a while back.
    Originally posted by keef-WhatStandards
    That's because none of them are bothered. Loyalty means nothing nowadays.
    Retired at age 56 after having "light bulb moment" due to reading MSE and it's forums. Have been converted to the "budget to zero" concept and use YNAB for all monthly budgeting and long term goals.
    • keef-WhatStandards
    • By keef-WhatStandards 13th Jul 17, 9:10 PM
    • 58 Posts
    • 0 Thanks
    keef-WhatStandards
    I agree.

    They spend thousands trying to get new customers and yet lose existing ones through lack of simple customer care.
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