Stick with Barclays or Lloyds?

EachPenny

Heng_Leng wrote: »

.... and sell off my overpriced iPhone...

:rotfl:

Priceless!!!

Dobbibill

Your poll should have an option to 'keep both'.

Keeping both allows you a contingency plan if one bank has a system issue but also this allows you to build a long term relationship and improve your history with both banks.

Zinc20

Lloyds because I like the advert. ahahaha

lincsvape

Haha yes it is a good advert.... but I suppose Barclays HSBC or anyone could have hired Adam and Eve DBB marketing agency to make the advert... maybe Barclays could have done the same but with the eagle rather than the horse

DCFC79

Stick with Barclays if the card is an online contactlesscard.

SnowTiger

lincsvape wrote: »

& isn't barclaycard by far the most popular credit card in the UK?

Zanderman wrote: »

Is it? News to me! It was one of the first (possibly the first) but that was back in the 70s - but that's its only claim to fame that I'm aware of.

Why would it be the most popular? Does it have really low interest rates? Best incentives and cashback? I think not - I've never even thought of having a Barclaycard in recent years - as other credit card deals are so much better.

Popular doesn't mean best.

According to Wikipedia:

Barclaycard has over ten million customers in the United Kingdom, issuing one in five United Kingdom credit cards. It is currently the leading United Kingdom credit card issuer.

Barclaycard seems to innovative and has quite a long list of 'firsts'. Not all of them are a success. PingIt and bPay being two recent examples.

And I think it has higher brand recognition that most, if not all, other cards.

SnowTiger

Zinc20 wrote: »

Lloyds because I like the advert. ahahaha

Like more than these Barclaycard adverts?:

https://www.youtube.com/watch?v=USjuS2s80D8

https://www.youtube.com/watch?v=Y4u1-O7-hW8

:rotfl:

Mrs_Ryan

I currently bank with Barclays and had an account with Lloyds and both are as dreadful as each other. Barclays however are marginally better, I have both a basic and a full account with them- I have very poor credit. I lasted about 6 or 7 months with Lloyds and the last straw for me was them shutting my local branch. I've had the basic account with Barclays since the very early days of it and it's definitely a lot better than it used to be.

And Heng Leng- poor credit doesn't necessarily mean huge debt levels- I presume that's why you suggest OP sell his iPhone? If you said that to me I wouldn't be very happy with you! I have an iPhone SE that I paid cash for- and at the moment the sum total of my debt level is about £550 on two credit cards (and that's because I've just paid for my holiday- it will be cleared next month) I have a bad credit rating because I got cancer and had to stop work leaving me in the deep and sticky. People have bad credit for all sorts of reasons- not just being reckless as you suggest. Perhaps OP's iPhone was a gift or a hand me down?
As my Law tutor says- you should never assume anything.
And ps- Nationwide are absolutely shocking. I got well compensated from them after one of their phone monkeys told me I was lying about being disabled and he refused to help me and said 'there was no reason why I couldn't go to branch and I should stop being so lazy' fantastic customer service there eh.....

System

Mrs_Ryan wrote: »

I currently bank with Barclays and had an account with Lloyds and both are as dreadful as each other. Barclays however are marginally better, I have both a basic and a full account with them- I have very poor credit. I lasted about 6 or 7 months with Lloyds and the last straw for me was them shutting my local branch. I've had the basic account with Barclays since the very early days of it and it's definitely a lot better than it used to be.

And Heng Leng- poor credit doesn't necessarily mean huge debt levels- I presume that's why you suggest OP sell his iPhone? If you said that to me I wouldn't be very happy with you! I have an iPhone SE that I paid cash for- and at the moment the sum total of my debt level is about £550 on two credit cards (and that's because I've just paid for my holiday- it will be cleared next month) I have a bad credit rating because I got cancer and had to stop work leaving me in the deep and sticky. People have bad credit for all sorts of reasons- not just being reckless as you suggest. Perhaps OP's iPhone was a gift or a hand me down?
As my Law tutor says- you should never assume anything.
And ps- Nationwide are absolutely shocking. I got well compensated from them after one of their phone monkeys told me I was lying about being disabled and he refused to help me and said 'there was no reason why I couldn't go to branch and I should stop being so lazy' fantastic customer service there eh.....

Where did I assume (or even say) the OP is reckless?

Going for a new credit card and owning a high value mobile should be questioned if the OP can't even get a standard current account (without overdraft)

lincsvape

HengaLenga... you have no idea about money.

A poor credit rating which has prevented me from getting a full current account has nothing to do with debt, as I'm debt free.

My credit score was ruined over a year ago when I was made redundant and had to default on my utility and card bills for a few months.

Now I'm debt free, what would selling my iPhone accomplish?

I believe you are just jealous because you can't afford one.