Credit card protection query

Baled

phillw wrote: »

Credit card companies sold sentinel insurance to customers for things they legally had to provide for free, so it's difficult to tell until you actually try to claim for one that went missing and find out what happens. If they are sending via royal mail then you may only be able to claim up to their limits.

However whenever I've had a pre-paid card then I've had to activate it, using information that was provided by email. So unless someone is sophisticated and is able to intercept your post and your email, then you should be ok with standard post. But you should find out what the procedure is for activating and whether they will cancel the original card and send another one if you report it lost.

They automatically activate it a couple of days after it's sent out, they send a confirmation email to my work email.

I think I will go with the standard post although now I'll have to figure out whether to use debit or credit card... I don't want to get caught out with possible interest charges but I trust Lloyds as far as I can throw them to rectify things if needbe.