I've got a debit card with Lloyds, but no credit card. I don't use credit cards.
Three times within the last month, Lloyds has failed to authorise payments from my debit card. Each time this has happened, I've called them, been told it's a random thing, answered a few security questions, and they've taken off the block immediately. None of the payments have been out of my routine. Two of them were payments to a mobile phone network, of the same amount I always pay, using the same card, at fairly regular intervals. I'm sure millions of payment attempts are much more 'out of the ordinary' than my three.
Three times seems a lot.
The only time this has ever happened to me before is on a few occasions abroad.
When I called up today to get the block taken off, the woman on the end of the line told me that if I got a credit card, this kind of thing wouldn't happen so much!
Are Lloyds by any chance deliberately causing annoyances for people who only have debit cards, in order to encourage them that life would be so much easier if they had a credit card?
I wondered if anyone else has reason to suspect that?
I suggested that to their fraud department, who said that what the first woman said to me - namely that getting a credit card reduces the probability of blocks - was untrue.
I realise the 'advisers' get told on their screens to encourage you to borrow, take out a credit card, get a mortgage, get insurance, etc., 'while they're putting you through'. But this one did read a script that was directly related to the debit-card block.
Thoughts?