New Lloyds TSB Visa Debit Card............

Pete268

Hi,

I have a standard current account with Lloyds TSB held at a Branch that is being hived off to be a TSB.

Last August I received a new Lloyds TSB branded offline Visa Debit card when my previous one expired. It has the 2012 Olympic Logo on it and valid until 09/15. The card number starts with 4921 81xx.

However this morning I have received in the post a new card, still branded Lloyds TSB (with the black horse on it). However this new one is only valid from 06/13 until 06/14 which is 15 months less than my old one which seems odd. Plus it has a new number starting 4763 67xx.

I know the bank is changing to TSB soon and I was told I would receive a purely TSB branded card. So does anyone know why I have been sent a Lloyds TSB branded card now with an expiry date shorter than my old card?

Plus it is going to be a pain changing shopping sites etc where my current card is registered.

I would have gone into the branch to ask but my wife has got the car for the next two days whilst I am on leave doing a few jobs in the house (my branch being 10 miles away).

thanks

Pete

pinkdalek

Pete268 wrote: »

Hi,



I would have gone into the branch to ask but my wife has got the car for the next two days whilst I am on leave doing a few jobs in the house (my branch being 10 miles away).

thanks

Pete

You not got a telephone?

NorthernOne

I also received new Visa Debit and Credit cards which expire 1/14 & 4/14 with is was considerably less than my old cards.

My local branch is Ossett which is about 16 miles from where I live now but as I rarely go into branch I am not that bothered.

reclusive46

The new BIN (First 6 digits of card) is a temporary licence from Visa, thats will it will need to change completely again later on.

TSB as a seperate bank will need a seperate licence to issue Visa and American Express cards. MasterCard varies slightly and allows cross institution bins, so their MasterCard bins may not change.

mrmajika

I have just had the exact same scenario as yourself.

pqrdef

Pete268 wrote: »

I know the bank is changing to TSB soon and I was told I would receive a purely TSB branded card. So does anyone know why I have been sent a Lloyds TSB branded card now with an expiry date shorter than my old card?

Well there's still time for Mark Carney to call a halt to all this nonsense. If King could make the Co-op Bank and possibly Nationwide unviable at a stroke, I'm sure Carney could do the same for TSB.

System

Do you mean Lloyds TSB Scotland is not a viable bank?

pqrdef wrote: »

Well there's still time for Mark Carney to call a halt to all this nonsense. If King could make the Co-op Bank and possibly Nationwide unviable at a stroke, I'm sure Carney could do the same for TSB.

jonesMUFCforever

Lloyds and TSB will still be part of Lloyds banking group until they are sold off.
The new BIN numbers are to distinguish between the brands.

jonesMUFCforever

pqrdef wrote: »

Well there's still time for Mark Carney to call a halt to all this nonsense. If King could make the Co-op Bank and possibly Nationwide unviable at a stroke, I'm sure Carney could do the same for TSB.

This is an European directive so nothing that the Governor of the Bank of England can do about it.

pqrdef

jonesMUFCforever wrote: »

This is an European directive so nothing that the Governor of the Bank of England can do about it.

There's always something you can do about European directives - ignore them.

I seem to remember the French weren't allowed to ban British beef.

pqrdef

Heng_Leng wrote: »

Do you mean Lloyds TSB Scotland is not a viable bank?

What's viable? These capital requirements seem to be largely arbitrary now.

But TSB isn't exactly getting a wonderful start in life

-- a customer base which didn't choose it, which is being mucked about and which will find it inferior to what they had (e.g. much reduced branch network)

-- no goodwill from its former owner, which will be a rival, instructed to compete

-- total dependence on said rival for its IT

-- a cast-off branch network, way too many branches in Scotland, and a quarter of its branches will be almost-closed ex C&G branches that are new to normal banking and have no experience or customer base in that area

-- no proper head office, but management scattered around a bunch of places that Lloyds took the opportunity to get rid of

-- an all-new management team cobbled together from new recruits and people that Lloyds chose to let go

-- a regulator that doesn't like banks paying dividends and a bunch of shareholders mostly interested in a quick profit from a foreign takeover.

The Big Four have their own problems, but the second tier is also becoming very problematic. Santander UK, Co-op, Nationwide, TSB, W&G, Yorkshire Bank - nobody loves any of them now, except Vince Cable. Not exactly the thrusting thriving dynamic customer-friendly retail banking sector of political imagination. The Treasury would be happy to see any or all of them taken over, if there was anybody to take them over, but it can't lean on foreign banks and doesn't seem to know how to bribe them.