Stick with Barclays or Lloyds?

EachPenny

lincsvape wrote: »

...you have no idea about money.
...
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.

Being made redundant is a terrible thing to happen to anybody, but I'm not sure that puts you in a position to tell another poster they have no idea about money, nor call them names.

Why did you default on bills? If your credit score was previously good then why not a loan or overdraft to cover the period when you were unemployed. Or ask for payment holidays on the debts you were temporarily unable to pay.

Someone who has an idea about money would have had an emergency fund of savings to make sure they were never in a position of having to default on bills with the severe consequences that has on your future.

Hopefully you'll have learned from that experience, but your question at the start of this thread and your poll suggests maybe not.

System

Lloyd's has a horsey, surely that's better than an eagle creature?

jimjames

lincsvape wrote: »

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

It might well be. I have one but I don't have a Barclays account

System

lincsvape wrote: »

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.

I'm not an iPhone person so jealously wouldn't happen.
If you had a Galaxy S8, possibly

System

The people on Barclays savings website do look very happy with their 0.05% a year interest:
http://www.barclays.co.uk/savings/instantaccess

Zinc20

SnowTiger wrote: »

Like more than these Barclaycard adverts?:





:rotfl:

Barclaycard, I have one of those. But the latest Lloyds ad, very good.

y*utube.com/watch?v=PAoZQjagOy8[/url]

EachPenny

MatthewAinsworth wrote: »

The people on Barclays savings website do look very happy with their 0.05% a year interest

To be fair though, the kids really do look happy - especially with 1.5% on up to £1 Million. Must be lots of under-18's with the odd million quid in cash to tuck away somewhere.

System

Lol and those millionaire kids need to keep that million in cash! Despite not having access

societys_child

lincsvape wrote: »

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.

And no cash reserve, all spent on things like iPhones :rotfl:

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

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

Jealous of an iPhone?:rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl:

karld316

Barclays is either going bust, getting broken up or it's getting liquidated in 2019 due to the fraud charges.

Stick with Lloyds. You will be safer there.