Previous SnoopTravelex Worldwide Money Next SnoopThe Ritz Carlton Abama Adults only pool Retreat Holly HY / 13 February 2025 / Categories: City, Services, Corporate Brands Lloyds Bank Credit Card Great low interest rate until something goes wrong I have not been a banking customer of Lloyds since I opened my very first checking account in Headingly, Leeds in the 1970s.I was mad about Black Beauty so the Black Horse Bank was the perfect choice for me.Fast forward 40 years and I was offered an incredible balance transfer offer too good to pass on so I opened a Lloyds Credit card not to shop but to move a high interest debt and pay it off.All was well until a payment due on the 10th of the month was taken on the 9th and I hadn’t moved the correct amount from savings to checking so the payment was returned, a late fee was charged and I immediately lost my promotional rate.I paid the amount manually on the 10th the due date and then set about getting my promotional rate restored and the late fee credited.I even went ahead and paid the next payment early to ensure there would be no further issue.You have to speak to the bank on a AI chat line so there is a delay to get a human and the conversation is disjointed.You have worry because you don’t know if anyone is listening and you feel trapped in a system you have little control over.Low and behold my paying early and trying to put contingency in place didn’t work because the bank tried to take another payment on the 10th of the next month, which obviously failed, it had already been paid, an additional late fee charged and I am imagining promotional rate lost once more.This is a system that is on your heels and it’s difficult to get things resolved when they go wrong.I am waiting to see if this 2nd error can be rectified or if I am shopping for another balance transfer offer. Print Rate this snoop: No rating yet 8 Tags:credit cardBalance transfer Rant Or RaveRantWebsitewww.lloydsbank.com Holly HYHolly HY Ex greedy consumer and selfish capitalist Other snoops by Holly HY Contact snooper Full biography Full biography Love supporting small business and B corporations. Try hard not to over consume. Anti plastic bags, plastic bottles, fur and fast or convenience food. Gave up meat 10 years ago, working on fish, cheese, milk (given up cereal) and eggs (once a week). x Twitter Related snoops Lloyds Bank Credit Card Nationwide Building Society Comments are only visible to subscribers. Contact author Message sent. Name: Please enter your name. Please enter your name. Email: Please enter a valid email address. Please enter a valid email address. Please enter your email. Subject: Please enter a subject Please enter a subject Message: Please enter the message. I have read and agree to the Privacy Policy and Terms Of Use. Please select if you agree. Please solve captcha Please solve captcha. Close x