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Steve L

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Review of the Lloyds Bank, Everyday credit cards:

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Lloyds credit card is unusable

I am fortunate in that I have never been out of work or had any financial problems, and have an excellent credit history. That is not good enough for Lloyds whose automated security algorithms have twice stopped me from buying something with my Lloyds so-called 'Ultra' credit card, and then blocked the card. This is despite using 2 factor authentication and the items taking my balance to less than my credit limit. This is extremely annoying and inconvenient, particularly when they don't bother to inform of what they have done and the card doesn't work when you next come to use it! I had to call THEM in order to unblock the card. This was even after I had called them the day before to inform them that I was about to make a purchase of several thousand pounds. They say they are protecting me from fraud (non- existent in this case) when in actual fact they are only protecting themselves. In most cases of fraud customers are refunded. Goodbye Lloyds - never again! Reviewed on: 13th April 2026

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