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Lloydstsb

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postmanpat68
postmanpat68 Posts: 154 Forumite
Part of the Furniture 100 Posts Combo Breaker
in Credit cards
Hi, just after a bit of information really.
Iv'e just applied for the duo credit card from my bank (lloydstsb) online and got the answer that they will contact me in the next 4 working days? my credit file is fairly good with only 1 loan outstanding of £190 and several settled loans and 1 other card settled within the last 12 months. i'm guessing i will be turned down!. is this normal for lloyds not to give a answer straight away:confused:.
many thanks.
EX POSTIE.
«1

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  • beanielou
    beanielou Posts: 95,307 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Sometimes they do that.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

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  • jonesMUFCforever
    jonesMUFCforever Posts: 28,898 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    When you log into online banking are they offering you a card in the special offers section just underneath your account balances page?
  • postmanpat68
    postmanpat68 Posts: 154 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    jonesMUFCforever wrote: »
    When you log into online banking are they offering you a card in the special offers section just underneath your account balances page?
    iv'e just looked and i don't have a special offers section on any online banking pagee. maybe because i don't pay for any banking im guessing, downgraded from a select account several months ago.
    EX POSTIE.
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    postmanpat68 wrote: »
    iv'e just looked and i don't have a special offers section on any online banking pagee. maybe because i don't pay for any banking im guessing, downgraded from a select account several months ago.

    Maybe it's gone to underwriting for decision. If you get declined, a good appeal letter is here - feel free to use it: http://forums.moneysavingexpert.com/showthread.html?t=1612333
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • naijapower
    naijapower Posts: 1,393 Forumite
    Wait for offical letter. You may well be accepted eventually
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    naijapower wrote: »
    Wait for offical letter. You may well be accepted eventually

    yea, always worth waiting to see what they say to you before panicking! :beer:
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    postmanpat68 wrote: »
    Hi, just after a bit of information really.
    Iv'e just applied for the duo credit card from my bank (lloydstsb) online and got the answer that they will contact me in the next 4 working days? my credit file is fairly good with only 1 loan outstanding of £190 and several settled loans and 1 other card settled within the last 12 months. i'm guessing i will be turned down!. is this normal for lloyds not to give a answer straight away:confused:.
    many thanks.
    Remember sometimes depending on what time you apply the system cannot give you an instant descion because it may not be able to get the infor off of the CRA's.

    Your CF seems attractive and I assume that if you have no late payments and are on the electroal roll if they decline you, you have a good chance of appeal.

    Best of luck and remember to update us with their descion and the limit they give you ;)
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
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    6 credit accounts closed in 2010!
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  • jonesMUFCforever
    jonesMUFCforever Posts: 28,898 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    postmanpat68 wrote: »
    iv'e just looked and i don't have a special offers section on any online banking pagee. maybe because i don't pay for any banking im guessing, downgraded from a select account several months ago.
    Sorry its not special offers but My offers.

    On balances page you get 1 list of accounts with balances 2 underneath that My personalised loan offer then 3 My offers on my page it has credit card, Text alerts and car insurance.
    Sometimes you need to click on the + or - to see or hide these offers depending on how your page is set up.
  • postmanpat68
    postmanpat68 Posts: 154 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    jonesMUFCforever wrote: »
    Sorry its not special offers but My offers.

    On balances page you get 1 list of accounts with balances 2 underneath that My personalised loan offer then 3 My offers on my page it has credit card, Text alerts and car insurance.
    Sometimes you need to click on the + or - to see or hide these offers depending on how your page is set up.
    I don't have anything else on my list of accounts page and i'm assuming it's because iv'e only got a classic account now along with a online saver. i'll just have to wait for the sorry you don't qualify for a credit card letter.
    EX POSTIE.
  • anotherpaul_2
    anotherpaul_2 Posts: 482 Forumite
    They did that with my application and did offer me a card.

    I was disapointed with the £750 limit, considering I've previously had a card with them with a £9,500 limit and my situation is at least as good now, but they did at least offer me a card (which I took and transfered a small balance to).
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