Lloyds Platinum Card

iAMaLONDONER

Would you say that Lloyds Platinum card with 13 months 0% is easy to get?

MrSilk

Depends on what your credit file says defaults? late payment markers? electoral roll? Current available credit?

Cash_Flow

iAMaLONDONER wrote: »

Would you say that Lloyds Platinum card with 13 months 0% is easy to get?

Not as easy as a Wonga Loan.

Paully232000

but easier than an Amex centurion card

iAMaLONDONER

MrSilk wrote: »

Depends on what your credit file says defaults? late payment markers? electoral roll? Current available credit?

I'm on the electoral roll and never missed a payment!

Already have a student B/A with Lloyds and a student CC. With another 2 CCs

1250/500/500 with 150/450/0 usage

pjread

if you're a lloyds a/c holder see if you're pre-approved in online banking.

CherlokHomes

If you've got a decent credit history of managing credit well then all cards are easy to get.

zerog

With a student CC and student account unlikely to get another Lloyds CC

I got 21 mths 0% as a student but I had 18k (and still have 15k) in 3x vantage

iAMaLONDONER

zerog wrote: »

With a student CC and student account unlikely to get another Lloyds CC

I got 21 mths 0% as a student but I had 18k (and still have 15k) in 3x vantage

Online banking says I can't open a secondary current account

iAMaLONDONER

pjread wrote: »

if you're a lloyds a/c holder see if you're pre-approved in online banking.

Which part of the Online banking pages would I see this?

sscott5581

iAMaLONDONER wrote: »

Online banking says I can't open a secondary current account

This means you have CPD (credit policy decline) against current accounts. CPD means they will not offer product as your internal rating will not allow.

You should call Lloyds and ask is you are pre-approved for a credit card. If not you will have CPD against credit card as well.

Not always will pre-approved offers be shown through online banking offers.

Lloyds update pre-approved limits on the 20th of each month.

Good Luck!