Lloyds TSB Duo to to Premier ?

gettingthere28

I have a Lloyds TSB Premier Current account but only have the Duo Amex/ Mastercard account, I understand that there is a premier version for customers having a premier account, but would I have to apply for this or since I hold the premier account would Lloyds know this and be upgraded eventually to the Amex /Mastercard Duo Premier Account rather than just the standard Amex / Mastercard Duo account ?, or do the credit card department not know what Lloyds Current account you hold ?.

I also ask as in the Terms and Conditions it does state......

"We may issue a different Card Type from the one you applied for to be used alongside or instead of an existing Card. Your signature on the agreement will be taken as your request for us to do so. If you change to another Card Type we may give you a new Card or account number. You will be able to keep your old Card Type if it is
available by telling us within 30 days and returning the new Card. If a change to your Card Type is to your disadvantage condition 18.3 will apply."

gazelle8760

gettingthere28 wrote: »

I have a Lloyds TSB Premier Current account but only have the Duo Amex/ Mastercard account, I understand that there is a premier version for customers having a premier account, but would I have to apply for this or since I hold the premier account would Lloyds know this and be upgraded eventually to the Amex /Mastercard Duo Premier Account rather than just the standard Amex / Mastercard Duo account ?, or do the credit card department not know what Lloyds Current account you hold ?.

I also ask as in the Terms and Conditions it does state......

"We may issue a different Card Type from the one you applied for to be used alongside or instead of an existing Card. Your signature on the agreement will be taken as your request for us to do so. If you change to another Card Type we may give you a new Card or account number. You will be able to keep your old Card Type if it is
available by telling us within 30 days and returning the new Card. If a change to your Card Type is to your disadvantage condition 18.3 will apply."

I am in the same situation as yourself.

I have their Premier Account, and upgraded from Platinum back in August, I hold their Credit duo Cards too.............these were given to me automatically as part of my application for their Current Account back in May this year.

When I did the upgrade for their Premier account, I was advized that I was eligible for their upgraded duo cards, and it was fee free for Premier account holders, so that meant a saving of £50 a year membership, plus double air-miles for useage, however, I realized that it may not be that simple.

The application states, a minimum credit limit would be given of £3000, for this card, and as my current credit limit was not £3000, that would mean them upping my limit, to fall in lines with their ts and cs, so I questioned it, and was told I was not eligible for a £3000 limit, so could not upgrade the said card, so am stuck with the "Ordinary" duo cards, and a Premier account, so it would seem they do credit check, and they go on how long you have held the accounts, the useage, how you pay etc etc, and then your not guaranteed it anyway.

Lloyds are a funny lot, they give you everything in one go, even if you have never asked for it, then they give you nothing else............seems to be all or nothing, then again, at least they are consistent, unlike Nationwide, who give their customers a credit limit one minute, then six months later, take it all away again, after you have paid the statement balance off in full.............banks, who needs them?