Bits: Lloyds credit card referral madness, possible 5000 free Avios, Amex FX promo

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• Mr Dee says:

  15 Jul15 July 07:27

  Barclaycard seem to have an offer for selected customers this month for bank transfers @ a rate of 0.9% for 12 months and balance transfers for 2 years.

  There is also a Virgin money card that gives you cash in the bank for 32 months @ 1.69%.

  I expect to see more offers at lower rates over the next few months.

• Colin Elliott says:

  15 Jul15 July 07:33

  Tried three times to get a Lloyd’s card via this Refer a friend link, with no email sent to friend by Lloyd’s. On contacting Avois, they said apply directly for the card on their website and Lloyd’s will pick up that it’s the same email address and pay the bonus! Hard to see that happening since they can’t even seem to just pick up that I’ve used their official Refer a friend procedure three times.

  • Rob says:

    15 Jul15 July 10:20

    Oddly, Avios is correct and it will work.

• Andrew (@andrewseftel) says:

  15 Jul15 July 07:34

  I think Lloyds don’t have a leg to stand on declining that last referral: the T&Cs are quite clear:

  The ‘friend’ that you recommend can be anyone who is aged 18 years or over, a UK resident and not currently hold, have previously held or be in the process of applying for a Lloyds Bank Avios Rewards Credit Card Account.

  Doesn’t say anything about other Lloyds credit cards. If your reader has already complained, I’d take it up with the Financial Ombudsman Service. I can’t see how it’s anything other than an open and shut case.

  • Andrew says:

    15 Jul15 July 08:11

    I am still waiting for a single avios to post after getting the Lloyds Avios CC before xmas. Raised as a complaint but still not resolved although I did get some £ compensation

    • Andrew (@andrewseftel) says:

      15 Jul15 July 08:53

      You can take your case to FOS eight weeks after complaining. I’d recommend that route if it’s been that long and you haven’t had the Avios you are due.

      • The_Real_A says:

        15 Jul15 July 10:02

        Andrew – have you checked with Avios that they have not opened a totally new account number for you? This happened to me, they simply merged the accounts and I could access all missing Avios.

      • Genghis says:

        15 Jul15 July 10:14

        Potentially give Lloyds one more chance before complaining to FOS. Lloyds will be charged £550 but if you tell them that that is what you’re doing, they may be more likely to offer you some more compensation.

• Bluejosh says:

  15 Jul15 July 07:36

  Thanks for sharing that one – what’s the Amex deal? Can’t see it on my account.

  • Genghis says:

    15 Jul15 July 07:47

    It seems to have gone from Amex Connect too??

    • harry says:

      15 Jul15 July 07:55

      I saved it, no use for me though – expires 24/7

• Genghis says:

  15 Jul15 July 07:44

  OT. Spent just over £10k on BAPP to trigger 241. 241 spent. Most avios have been transferred to BAEC. We’d like to cancel the card but we’re due a refund which would take us about £150 below the £10k spend in aggregate and into negative avios on BAPP. Does anyone have experience on what Amex might say in such circumstances?

  • Worzel says:

    15 Jul15 July 08:29

    Genghis, you are joking-aren’t you? 🙂 .

    • Genghis says:

      15 Jul15 July 08:36

      I’m being serious Mr Gummage. Do you reckon I should divert some spend onto BAPP to contra the refund? I keep track of how much we spend from the counter and understand the £150 fee isn’t included in any spend targets.

      • Genghis says:

        15 Jul15 July 09:17

        “Crisis” averted, I think. Calcs done – we had spent a bit more than we think. Once the refunds come off we’ll still have spent just over £10k. We’ll still have a negative avios balance in BAPP though. I’ll report back.

        • jlrichards says:

          15 Jul15 July 11:56

          If you have a negative balance on your Amex, simply close down the card – they won’t request the Avios back. You can then open a new card later on.

        • Nick says:

          15 Jul15 July 15:48

          I would read the guidance on here about cancelling the card before using the voucher before actually calling Amex.

          Out of interest, why cancel? It’s a great card for ongoing spend.

        • Genghis says:

          15 Jul15 July 17:30

          Thanks Nick. I’m aware of the guidance. I’m a bit of a card churner and another round of sign up bonus plus referrals will certainly add to the avios balance (and we’ll get a 6 month few refund). We have other cards for better ongoing spend when not chasing a target (BMI Diamond Club).

  • Alan says:

    15 Jul15 July 08:32

    Are you sure you haven’t spent more than you think? The fee shouldn’t be included in the spend target progress.

• harry says:

  15 Jul15 July 07:53

  Hadn’t seen the Sainsbury’s deal. 36m & 40m interest free – crazy but great if you have run up debts/ cheap loan alternative/ schmoozer.

• Alan says:

  15 Jul15 July 08:12

  I’ve never had a Lloyds referral email work! The key thing seems to be to make sure you use the same email address for making the referral as the person will use for replying, this seems to flag the email address as being a referral one and therefore increase the chances (although by no means guarantee!) of receiving the referral points.

• Nick says:

  15 Jul15 July 08:57

  Re Safar Flyer, all I can say is good luck to anyone that’s happy to scan their families ID cards, passports, etc. and send them to anyone!

  It’s not something I’d personally ever do.

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