MBNA - Do they use LBG systems

funkycredit

Thrugelmir said:

Internally there'll be a sharing of key data. Checks aren't just going to be external. 

Thanks. I thought this might be the case. But just wandered if they use the Lloyd's based system now, as in the cpd marker. 

For no particular reason other than being curious on just how linked they really are! That's my reasoning for asking the question as I wondered if they're treating the cards as different companies. 

I have an MBNA card, haven't ever bothered with Lloyd's. 

funkycredit

jonesMUFCforever said:

Yes;  MBNA is now fully integrated into LBG - so will be using Lloyds' systems.

Thank you very much. Answers my question perfectly. So presumably, they could apply cpd markers against you like LBG can. 

jonesMUFCforever

funkycredit said:

jonesMUFCforever said:

Yes;  MBNA is now fully integrated into LBG - so will be using Lloyds' systems.

Thank you very much. Answers my question perfectly. So presumably, they could apply cpd markers against you like LBG can. 

If they wanted to - yes.

funkycredit

Thanks. 

So next question - has anyone had an MBNA CPD applied? Can it be removed / appealed / is it for a set period of time etc. Any info is appreciated. 

Obviously this reply is aimed at those who may have experienced this CPD practice. 

dr_adidas01

funkycredit said:

Thanks. 

So next question - has anyone had an MBNA CPD applied? Can it be removed / appealed / is it for a set period of time etc. Any info is appreciated. 

Obviously this reply is aimed at those who may have experienced this CPD practice. 

If you have a Credit Policy Decline with Lloyds, then surely if you applied for an MBNA credit card your application would be declined? Also CPDs can be product specific ie you are allowed an overdraft but not a loan or credit card or vice versa. 

funkycredit

dr_adidas01 said:

funkycredit said:

Thanks. 

So next question - has anyone had an MBNA CPD applied? Can it be removed / appealed / is it for a set period of time etc. Any info is appreciated. 

Obviously this reply is aimed at those who may have experienced this CPD practice. 

If you have a Credit Policy Decline with Lloyds, then surely if you applied for an MBNA credit card your application would be declined? Also CPDs can be product specific ie you are allowed an overdraft but not a loan or credit card or vice versa. 

Makes sense, thanks. I've not got one (at least I wouldn't have thought so). I was just reading about them on here and because I've got MBNA (Dual card on long term 0%) and a slush account with Lloyd's, I wondered. But presumably I don't and shouldn't have one. My overall credit situation is fine, just got a nationwide card today and an Amex platinum last month. 

notveryeducated

Could someone be kind enough to elaborate on what a "Credit Policy Decline" is and why they are applied on people? Thanks

CRISPIANNE3

notveryeducated said:

Could someone be kind enough to elaborate on what a "Credit Policy Decline" is and why they are applied on people? Thanks

This post from jonesMUFCforever I found from a few year ago and he is one of most knowledgeable people on this forum.

quote When you open an account you will be credit scored and the first 'score between 1-9' will be established.
Credit policy decline will fall into 3 categories - 1 You have a cash account therefore you will not be eligible for credit 2 Your running of the account is poor (regular excesses or returned items) or 3 external factors such as defaults or ccj's on your credit files.

Every time you apply for a loan or credit card you will be credit scored, small overdrafts might be ok under the internal scores but if referred to the lending department then again they might score you. unquote

funkycredit

Yea that's part of it but they can apply credit policy (cpd) or credit bureau (cbd) and they can attach to specific products, as well as across the board. 

superM

My oher half had a CPD mark when it was a LTSB. The account was working fine and she also had an overdraft facility.  She applied for a credit card whch was declined at the same time they placed a CPD marker on the account.  The overdraft remained but they wouldnt allow a credit card account.

She applied but they refused to remover the marker. 

At the end she closed the account.  2 years later she opened it again with Lloyds Bank. I think due to change over in systems from lloyds and TSB the marker was not applied to the new account.  She has overdraft and credit card wlith lloyds now. 

May be the old account history was archived when the sytems was changed.