Lloyds Avios credit cards
#31
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Join Date: Oct 2011
Location: Her Majesty's United Kingdom
Programs: BA Gold, BA Lounge Rats, BA Audit Survivors, CW Kitchen Defender, CX Noodle Connoisseurs Club
Posts: 5,955
Does the Lloyds card offer more protection shopping online, or do the transactions show up faster or something?
#32
FlyerTalk Evangelist
Join Date: Aug 2007
Location: UK
Posts: 10,709
I keep the card seperate from my other transactions. I know what I purcahse / order and anything else that comes up isnt mine.
#33
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Join Date: Oct 2011
Location: Her Majesty's United Kingdom
Programs: BA Gold, BA Lounge Rats, BA Audit Survivors, CW Kitchen Defender, CX Noodle Connoisseurs Club
Posts: 5,955
#35
Join Date: Dec 2010
Location: NJ, USA
Posts: 470
Just a point of note - on the Avios site they are offering the Lloyds card with a different offer. 5x the usual points on AmEx spend for the first 3 months - i.e. 5 Avios per £1 spent.
If you have some heavy spending coming up that you can put on AmEx it might be good?
EDIT: The Premier (fee paying) version has 10x Avios for the first 3 months!
If you have some heavy spending coming up that you can put on AmEx it might be good?
EDIT: The Premier (fee paying) version has 10x Avios for the first 3 months!
#36
FlyerTalk Evangelist
Join Date: Aug 2000
Location: London and Zurich
Programs: AA, BA, Mucci: Sir Roger des Directions Routières, PCR
Posts: 13,609
The bonus for opening LloydsTSB Duo Avios card accounts using the link at avios.com is 5x earnings on the AmEx for the first three months, i.e. 5 Avios per £, no minimum, no maximum. 10 Avios/£ for the Premier AmEx.
http://www.avios.com/collect/lloydst...sDW_CollectNav
Using the link via LloydsTSB produces the bonuses already mentioned.
ETA Olly types faster than Roger!
http://www.avios.com/collect/lloydst...sDW_CollectNav
Using the link via LloydsTSB produces the bonuses already mentioned.
ETA Olly types faster than Roger!
#37
FlyerTalk Evangelist
Join Date: Feb 2004
Location: London
Programs: BA, VS, HH, IHG, MB, MR
Posts: 26,871
10 Avios per £1! Wow. Hope this is still available before we next drop £10k on a holiday!
PS. You may want to experiment with booking refundable BA flights at the 10x rate and then refunding them when back on the basic rate ....
PS. You may want to experiment with booking refundable BA flights at the 10x rate and then refunding them when back on the basic rate ....
#38
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Original Poster
Join Date: Feb 2009
Location: From ORK, live LCY
Programs: BA Silver, EI Silver, HH Gold, BW Gold, ABP, Seigneur des Horaires des Mucci
Posts: 14,216
That's pretty strong.
#40
Join Date: Dec 2006
Location: London-Nice
Programs: GGL
Posts: 1,425
Fantastic offer. Hopefully more earning offers soon, maybe we need an earnings thread as I see AA and Iberia have lots more options to earn as well.
#41
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Join Date: Oct 2011
Location: Her Majesty's United Kingdom
Programs: BA Gold, BA Lounge Rats, BA Audit Survivors, CW Kitchen Defender, CX Noodle Connoisseurs Club
Posts: 5,955
The bank that likes to say NO.
I signed up through Lloyds last week, waiting for card still.
Noticed they have charged the card fee already!
I thought I'd put in a cheeky call to Lloyds to ask them if they could match the Avios offer, spend multiplier, refund my fee, do something to make my deal slightly better.
But the answer was a big fat NO, they were quite happy to let me cancel and reapply for the Avios offer. No bonus points, no fee waiving, not even a kiss
Now I'm wondering whether I should cancel and reapply or not, since I have now taken 2 Amex and 1 Lloyds in the last 3 months I'm worried about the implications for my credit score. (I would do about 2k UK spend a month on it so the difference would be significant if I got the avios offer)
I'll probably end up getting the Avios offer under Mrs P's name then it doesn't really matter either way. The Lloyds card is still worth keeping long term and for overseas spend.
Noticed they have charged the card fee already!
I thought I'd put in a cheeky call to Lloyds to ask them if they could match the Avios offer, spend multiplier, refund my fee, do something to make my deal slightly better.
But the answer was a big fat NO, they were quite happy to let me cancel and reapply for the Avios offer. No bonus points, no fee waiving, not even a kiss
Now I'm wondering whether I should cancel and reapply or not, since I have now taken 2 Amex and 1 Lloyds in the last 3 months I'm worried about the implications for my credit score. (I would do about 2k UK spend a month on it so the difference would be significant if I got the avios offer)
I'll probably end up getting the Avios offer under Mrs P's name then it doesn't really matter either way. The Lloyds card is still worth keeping long term and for overseas spend.
#42
FlyerTalk Evangelist
Join Date: Feb 2004
Location: London
Programs: BA, VS, HH, IHG, MB, MR
Posts: 26,871
Now I'm wondering whether I should cancel and reapply or not, since I have now taken 2 Amex and 1 Lloyds in the last 3 months I'm worried about the implications for my credit score. (I would do about 2k UK spend a month on it so the difference would be significant if I got the avios offer)
I'll probably end up getting the Avios offer under Mrs P's name then it doesn't really matter either way. The Lloyds card is still worth keeping long term and for overseas spend.
I'll probably end up getting the Avios offer under Mrs P's name then it doesn't really matter either way. The Lloyds card is still worth keeping long term and for overseas spend.
Same principles, though:
1. Don't apply for lots of cards (or even lots of credit, and this includes getting a new mobile phone contract etc) at once. It makes you look desperate for money which worries them.
2. Your credit report shows your credit limit and your outstanding balance. Keep below the limit on your existing cards, as again it looks bad if you always push your limit to the edge.
3. Close down cards you don't use. There is a limit to how much credit you will be offered in total across all your cards from all issuers, based on your salary.
4. Obviously don't miss payments on anything, cards, mobile of whatever.
#43
Join Date: Aug 2005
Posts: 227
I already have an existing Airmiles Lloyds Amex. Will I be able to apply for the amazing 10 Avios per £ offer or will I have to cancel my existing cards in order to be able to do so?
#44
FlyerTalk Evangelist
Original Poster
Join Date: Feb 2009
Location: From ORK, live LCY
Programs: BA Silver, EI Silver, HH Gold, BW Gold, ABP, Seigneur des Horaires des Mucci
Posts: 14,216
You'll have to cancel and reapply, and there is no guarantee that you will be accepted, and if you're accepted, there's no guarantee you'll have the same credit limit.
#45
FlyerTalk Evangelist
Join Date: Feb 2004
Location: London
Programs: BA, VS, HH, IHG, MB, MR
Posts: 26,871
However, if you cancel now you have 3 months and 1 week before the offer expires at the end of Feb to reapply.