Are the Lloyds Avios Rewards credit cards now fully closed to new applicants?

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• Axel says:

  4 May4 May 18:53

  What did the rejection letter say as the reason?

  • JamesB says:

    4 May4 May 19:20

    Internal review and experian score. Experian was 933 at time of application.

    • Callum says:

      4 May4 May 22:52

      Did they say Experian score or your Experian credit record?

      The scores provided by Experian etc are generally meaningless (unlike in the US I believe where they’re actually used?) so it would be interesting if Amex is using them.

    • JamesB says:

      5 May5 May 13:07

      @Callum, just checked asain and it said “data we have obtained from an authorised credit reference agency(ies)”. Experian were later named as that agency.

    • Callum says:

      5 May5 May 14:29

      The means your Experian score meant nothing at all. They used the data on your Experian record to create their own. If you get it free it’s useful to track your general credit worthiness but don’t pay for it.

      I remember my Experian score was 999 at one point despite only qualifying for sub-prime credit!

    • JamesB says:

      5 May5 May 16:42

      Agreed, I think it is an amex internal issue…simply I have too many cards or too much unused credit for their liking. At the moment I only have the score via Barclays so I will get a free access to have a look at the full report to check nothing is amiss.

    • Genghis says:

      5 May5 May 16:59

      @JamesB You’re probably aware but you can access your full Experian data for free via MSE Credit Club

    • JamesB says:

      5 May5 May 20:31

      @Genghis, yes thanks, that was what I was thinking about or simply requesting a free cooy from experian.

    • Genghis says:

      6 May6 May 11:56

      Before the free access via MSE, I would pay the £2 or so on an annual basis for the statutory report just to check things over.

• Chirag Bakhai says:

  4 May4 May 20:08

  I applied for Lloyds card in branch on thursday and seemed to go through fine. Was told that phone applications are no longer possible but branch still ok

• Daniel Knight says:

  4 May4 May 21:05

  OT – mobile credit card readers. Cheapest is £19+vat upfront and 1.69% transaction fee. If a new BAPP was signed up and £10k put through to get the 241 am I correct with this maths…? 10000 x 1.69% is 169, plus the 23 for the card reader plus 195 Amex fee is total cost of £387. This would get 26000 sign up points, 15000 points for the £10k spend and 100000 points equivalent for the 241 equals 141000 points. Cost per point £387 / 141000 = 0.2475p. Possibly half that if the BAPP was killed in a month with a pro rate refund. Quarter penny per avios is good but is my maths?!

  • S says:

    5 May5 May 01:54

    That’d be a violation of Amex T&Cs, as this practice is explicitly forbidden.

    • Dan says:

      5 May5 May 06:22

      Meh. That’s a shame!

• Lloyds Avios Voucher says:

  4 May4 May 21:14

  Anyone knows what happens to the Lloyds Avios upgrade vouchers with Avios closing? I assume it will be converted to a BA voucher instead maybe? Ha no news however at all from Lloyds..

  • Anna says:

    4 May4 May 22:01

    It’s on the avios website, the voucher will go into your BA account but you’ll have to call avios.com to redeem it.

• Rob says:

  4 May4 May 23:42

  OK. Will have a dig into Aqua (Rewards version).

• James says:

  5 May5 May 05:03

  For those of us still with the Lloyds Duo Avios cards, will we still be able to earn the upgrade vouchers going forwards or is the transition to BA only for existing vouchers and then it’s stopping ?

  • callum says:

    5 May5 May 05:30

    You can still earn going forwards until they say otherwise. They’ve not given a commitment to how long that would be.

• Alex W says:

  5 May5 May 12:47

  I was rejected for plat Companion a couple of months ago. Recently applied for SPG Amex, decision was deferred but eventually approved with about 1/3 the credit limit I had last time. Possibly because have moved house and got a car on finance in December. My credit report is very good though.

  • JamesB says:

    5 May5 May 13:13

    My best guess is that my available credit vastly outstrips my use. I think I will probably half it before trying again. Also, I have got Sainbury and Tesco cards that I rarely use so I will likely cancel those too despite them not being a problem before.

• Andy Morgan says:

  6 May6 May 10:08

  Are the Lloyds cards still the best (cheapest) for using abroad to still earn Avios miles?

  • Rob says:

    6 May6 May 10:09

    It’s the only free (no FX fees) option.

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