Lloyds TSB - Level Of Indebtness Marker

YorkshireBoy

jon142 wrote: »

It's basically 1% cash back in m&s vouchers card.

...but only if all your spend is at M&S.

It's a very poor 0.5% (1 point for every £2) cashback card for any other purchases.

How much of your spend is done at M&S?

jon142

YorkshireBoy wrote: »

...but only if all your spend is at M&S.

It's a very poor 0.5% (1 point for every £2) cashback card for any other purchases.

How much of your spend is done at M&S?

I'm on an old staff rate as an old employee but they don't know I've gone

Employee rate is 9.9% APR and 1 point per £1

Bosie

Quite an interesting thread! One thing that occured to me regarding this, my partner likes a cigarette and a drink at weekends. I don't smoke nor drink so I save about £50 a week on him. So that is quite a saving for me, does this CII take this into consideration?
Wonder what tool they'll think of next to monitor us?

MoneySaverLog

Yet to work out this CII, can anyone point me in the right direction as to a link. There seems to be a lot of talk about CII but nothing with any way of actually calculating it when searching google.

auto-man

MoneySaverLog wrote: »

Yet to work out this CII, can anyone point me in the right direction as to a link. There seems to be a lot of talk about CII but nothing with any way of actually calculating it when searching google.

becuase you cannot calculate it! Itll be an algorithm designed within the credit bureaux no doubt.

They say the credit score that the bureaux issues out is a random number but the CII isn't.

If im wrong and it can itd be good to see proof.