Lloyds Credit Card Eligible

sam437

hi everybody,
I had an enquiry with my bank lloyds today, and I was told over the phone that I'm eligible for a credit card with them. Does it mean that if I proceed I will get the card without doing a hard search on my file, knowing that they get CRA monthly feed, or it's an estimate and I should do a full application.
Also they said I may get up to £7000 limit, does that mean that usually such offers can get up to £7000 or that my limit with them will be something around that.
thank you

YorkshireBoy

Whilst I've never dealt over the phone, I have taken a couple of 'guaranteed acceptance' online offers in recent years, and never been formally externally searched.


Furthermore, the indicated limit is what I got.


They do say, however, that the offer is made "providing your circumstances haven't changed recently", which points to their reliance on the CRA monthly feeds as you suspected.

sam437

YorkshireBoy wrote: »

Whilst I've never dealt over the phone, I have taken a couple of 'guaranteed acceptance' online offers in recent years, and never been formally externally searched.


Furthermore, the indicated limit is what I got.


They do say, however, that the offer is made "providing your circumstances haven't changed recently", which points to their reliance on the CRA monthly feeds as you suspected.

Many thanks for your reply, I can't see any offers on my online banking, I was told that over the phone, the advisor mentioned that I'm eligible, but didn't say guaranteed. Is that the same ?

YorkshireBoy

Not in my opinion, no.


I wouldn't take a phone CSA's word. I'd want to see it in writing, either online or in branch*.




* Ask nicely and they might 'swivel' the screen so you can view your guaranteed offers.

sam437

Thank you, I will pop into a branch tomorrow

MIRABELA6352

I have been try Lloyds Credit Card but I always get rejected

sam437

I applied, and was accepted for £7000 as quoted

vinny_vimto

I logged in to my lloyds banking and saw pre approved for lloyds platinum 0% balance transfer for 24 months with 1.5% transfer fee or 12 months 0% purchases got exactly limit quoted no hassle