The Sub Prime Credit Thread - Part V

kilasuit

Your not the only 1 doelani i'm sure that almost everyone will be gutted to see both Niddy and Seeya go.

izools

What a sorry state of affairs. And all it would take is an IP Filter during signup + escalating several members privelages to Moderator.

Moving on, here are some pictures of the LTSB gold visa debit card for those that were interested




Let's hope we can get things back on track and demonstrate to Niddy and Seeya that the last few days were just a "blip" ne'er to be seen again

kilasuit

Izools are you going to request to reinstate the classic account now or are you keeping the gold one?

izools

I'm umming and arring about whether to keep it to be honest, the Sentinel card protection and Mobile Phone Insurance may very well come in handy given my 3x credit cards and Sony X10 phone. The Gold account fee is only £2/month more than just mobile phone insurance by itself (which incidentally carries a higher excess that Lloyds' mobile insurance anyway).

Keeping it for now

I still have the CPD marker on my account though so that obviously doesn't stop customers from upgrading. They don't to GCG cards atall any more so this may be why.

kilasuit

izools wrote: »

I'm umming and arring about whether to keep it to be honest, the Sentinel card protection and Mobile Phone Insurance may very well come in handy given my 3x credit cards and Sony X10 phone. The Gold account fee is only £2/month more than just mobile phone insurance by itself (which incidentally carries a higher excess that Lloyds' mobile insurance anyway).

Keeping it for now

I still have the CPD marker on my account though so that obviously doesn't stop customers from upgrading. They don't to GCG cards atall any more so this may be why.

CGC i take it you mean?

I reckon we all collectively get a petition together to send to Niddy and Seeya to show them we want them back on here.

brians_daughter

kilasuit wrote: »

I reckon we all collectively get a petition together to send to Niddy and Seeya to show them we want them back on here.

I want them back!! :T:T

brians_daughter

oh and what IS a CPD, its been bugging me for weeks and weeks

kilasuit

LloydsTSB only and its A Credit Policy Decline.

izools

kilasuit wrote: »

CGC i take it you mean?

I reckon we all collectively get a petition together to send to Niddy and Seeya to show them we want them back on here.

Lol yes CGC!

CPD means Credit Policy Decline. It means that the bank has decided not to lend you anything (pre-declining you for all credit facilities) + they will take away any overdraft you may have on your next review date (mine is in January, but I will reduce the OD by £10 in December as the review date is always 12 months after the last change to your OD limit, thereby putting off my review date to next December)

+1 Seeya & Niddy come back

kilasuit

Vanquis have changed their phone banking service for gold card holders.

Its quite useful to be able to get the balance limit and availible balance sent via txt.