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Lloyds credit card is unusable due to overzealous security algorithm
Comments
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Rings a bell, think my problem was extra commas.
Turned it off.
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Thanks @born_again , I'd noticed the gaps so that explains it. 👍
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I've noticed as well that on a couple of sites the auto fill removes the last part of the postcode, so you end up with A12 rather than A12 3BC which can cause problems with delivery, though oddly not payment!
Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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I had the same problem with Lloyds and Halifax credit cards. I suspect it's because my phone and laptop have a VPN running constantly. I got fed up with the constant blocks and since they didn't give me any suggestions on how I could avoid these sorts of things I just voted with my feet.
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Why would a bank give suggestion to help people avoid security checks… Fraudster would be laughing all the way 🤷♀️😶🌫️🤣
Life in the slow lane2 -
My point still stands. The way that I legitimately use my devices and cards was often blocked by Lloyds and I've not had the same problems with other companies so I moved. If other banks don't find my online purchasing behaviour concerning then Lloyds could have retained some business by considering that something in their process isn't really working.
Saying that, I'm one customer so they're clearly not going to revise their entire (over zealous) security system for me, so it made sense to just shift rather than be frustrated on the regular.
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When banks were made liable for customers being conned/stupid/greedy (delete as applicable) they were always going to make it harder for people to give away their money
Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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Exactly this. LBG have 28 million customers in the UK. When you have that number of punters (some figures have 25% of the UK's financial transactions going via Lloyds) then a cost/benefit analysis of 'customers lost' vs 'liability payouts reduced' will show big numbers.
They are not doing it to "protect your money".
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Had this exact issue with my Lloyds Ultra last year! The trick that worked for me was calling their fraud team proactively before making any unusual purchases - even if it seems like a normal transaction to you, their system might flag it as suspicious based on merchant category or amount patterns.
Once I started giving them a heads up for anything over my usual spending or from new retailers, the blocking stopped completely. Takes two minutes and saves hours of hassle later!
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Is there a fraud team number that you called directly or did you go via the usual CS number?
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