Lloyds TSB Debit Card

mrmajika

dollydoodah wrote: »

Out of curiosity (as a Platinum account holder) would you care to enlighten us, please?

They are referring to the fact that a sole account has the same monthly charge as a joint account, yet with the joint account both account holders get the same level of cover; mobile phone insurance, travel insurance, breakdown cover etc. Essentially 2 for the price of 1.

[Deleted User]

Indeed.

To start with, I was on the gold account at £10, and my OH was on platinum at £15. We had a joint classic account too.

The guys in branch switched our own accounts to classics, and the joint one to a Premier, so for the same money, we were getting the extra benefits. Two weeks later, our toilet overflowed.. the home emergency cover was VERY handy in saving us £200 in plumbers overnight callout charges!

dma1989

plus staff members can get it half price.

I pay £12.50 for my premier account! =D

noah271007

dma1989 wrote: »

plus staff members can get it half price.

I pay £12.50 for my premier account! =D

There is no such criteria to have a PREMIER account? It is like someone who have a poor credit history accepted for PREMIER. This would be an insult to the customers who thought it reflect more on their status.
What the point lol.

[Deleted User]

noah271007 wrote: »

It is like someone who have a poor credit history accepted for PREMIER. This would be an insult to the customers who thought it reflect more on their status.

But surely anyone who pays purely for "status" shouldnt be on MSE?

noah271007

billbennett wrote: »

But surely anyone who pays purely for "status" shouldnt be on MSE?

Not necessarily! It depends whether it offer good value for money when you take into account additional extras with the account. In my case, i am with platinum and having previously had a travel insurance (family of 4), phone insurance seperately i actually save money over a year by a minimal amount. However the point is that if anyone can get a Platinum/Premier with £500 overdraft free interest and £250 cheque guarantee even with a poor credit history, then that is so stupid! They shouldn't be allowed to have credit facilities! I noted that to have 250CG and overdraft is subject to application and approval, so for those who have a decent credit history will get those credit facilities and those who don't qualify for one, will not get the platinum or premier card.