Lloyds Confusion & Amex/Avios 6 month rule 17 September 2018 at 1:41PM in Stoozing: free cash from credit cards 4 replies 3.3K views

BakerBoy

Hi All, I've been a cardholder of the Lloyds Amex Duo since 2009 and am a little confused regarding the changes at Lloyds. The Lloyds website still calls my account Duo, and I know that they are slashing rewards as outlined by MSE Karl here:

https://forums.moneysavingexpert.com/showthread.php?t=5879841&highlight=avios

But I don't know if this applies to the duo accounts. Can anyone clarify for me?

Also, If I were in the market for a new Amex, and wanted to pick up several thousand extra Avios to boot, it would appear that Amex will not allow anyone the joining bonus if they have held membership rewards Amex cards for the six months prior to application.

I have the Amex/Mastercard Lloyds duo with a fairly chunky credit limit, which is useful. I have a Tesco Mastercard with a fairly pathetic limit, which they have refused to increase several times. So how would MSEs here suggest I maximise my Avios collecting? Should I apply for a card in the interim and leave Amex for six months, in the hope that there will be a decent joining bonus when I'm eligible again?

Thanks for reading, and thanks in advance for your answers! Jon

jonesMUFCforever

Yes it applies to the Duo accounts - shortly to be replaced by a single Mastercard with a lot fewer avios points per £ spent.

BakerBoy

Thanks for the reply!

MallyGirl

There is a referrals board for that - touting for referrals is not allowed anywhere but there. Thanks

alfista

Get a BA Amex card, use it for absolutely everything you buy. Anywhere that won't take Amex, use the Lloyds Mastercard.