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Lloyds TSB online banking query
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Timay
Posts: 103 Forumite
Hi I just have a general enquiry about lloydstsb online banking and old credit cards still appearing on there
They obviously have a balance of NIL and a 0 credit limit so I was wondering why it has not been removed?
When i applied for my lloydstsb platinum card they took my original credit card away and replaced it with this one so I presume technically it is a continuation of the first card? Did that I think 4 years ago around 2008.
Thanks
PS only one lloydstsb credit card appears on my credit report so that's why I presume the above.
They obviously have a balance of NIL and a 0 credit limit so I was wondering why it has not been removed?
When i applied for my lloydstsb platinum card they took my original credit card away and replaced it with this one so I presume technically it is a continuation of the first card? Did that I think 4 years ago around 2008.
Thanks
PS only one lloydstsb credit card appears on my credit report so that's why I presume the above.
Debt
Barclaycard (0% for 29 months) = £2500
Barclaycard (0% until September 14) =£476.93
Barclaycard (0% until October 14) = £390.82
Barclaycard (0% until May 16) = £105.58
TOTAL DEBT = 10364 (aim to clear June 16)
Barclaycard (0% for 29 months) = £2500
Barclaycard (0% until September 14) =£476.93
Barclaycard (0% until October 14) = £390.82
Barclaycard (0% until May 16) = £105.58
TOTAL DEBT = 10364 (aim to clear June 16)
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Comments
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I have the same a old advance credit card with NIL credit limit, NIL Balance. The account has been closed some years now, i think they leave them there to check back statements etc? I wish you could remove it from sight. Not sure if anyone has managed to get this done?
aszWales for ever.....:beer:0 -
Me too, am trying to get it removed il keep you updated!Can I find out my credit score?You do not have a single credit score or rating. Different organisations take different information into account when working out your credit score and may have different scores for different products. (Kindly from Experian)0
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Saints2011 wrote: »Me too, am trying to get it removed il keep you updated!
Great. Have you just rang & asked for it to removed?
aszWales for ever.....:beer:0 -
Does it matter at all?
On my MBNA online page I have one there which must be at least 10 years old - same as you nil balance owing with 0 limit.
You do know that even if a card account is 'closed' a CPA presented for payment will re-open the account?
I would rather have it there ready to sort out if it happened than later being refused a card somewhere because of an unknown debt reported to the CRA's.
Just my opinion.0 -
jonesMUFCforever wrote: »Does it matter at all?
On my MBNA online page I have one there which must be at least 10 years old - same as you nil balance owing with 0 limit.
You do know that even if a card account is 'closed' a CPA presented for payment will re-open the account?
I would rather have it there ready to sort out if it happened than later being refused a card somewhere because of an unknown debt reported to the CRA's.
Just my opinion.
Doesn't matter at all I was just interested why it was still there and also why my credit report only shows one credit card from lloydstsb ( the one that is open) and not my old one as well.Debt
Barclaycard (0% for 29 months) = £2500
Barclaycard (0% until September 14) =£476.93
Barclaycard (0% until October 14) = £390.82
Barclaycard (0% until May 16) = £105.58
TOTAL DEBT = 10364 (aim to clear June 16)0 -
Great. Have you just rang & asked for it to removed?
asz
Every channel I can so far ...Can I find out my credit score?You do not have a single credit score or rating. Different organisations take different information into account when working out your credit score and may have different scores for different products. (Kindly from Experian)0
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