I've got a debit card with Lloyds, but no credit card. I don't use credit
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
Three times seems a lot.
The only time this has ever happened to me before is on a few occasions
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.
Dunno. I've got a Lloyds debit card, and several credit cards - none of
which are Lloyds. So they wouldn't benefit from encouraging me to use a
The only time I use a debit card (apart from cash withdrawals) is when
making purchases at outfits - such as Lidl - which don't accept credit
cards, or when there is a charge for using a credit card - such as when
buying a car tax disc.
I don't think my debit card's ever been blocked, but I know it *can*
happen. I was in a branch of Lloyds recently and there was a poor old
dear in the queue in front of me in a right tizzwazz because her card
had been blocked, and she had rung up to get it unblocked but had been
unable to give the correct answers to the security questions asked! I
don't know whether she got it sorted - she was still arguing the toss
with the counter clerk when I left.
In article , firstname.lastname@example.org
I do like a nice conspiracy theory but I think you are barking up the
wrong tree with this one as people with credits cards have issues with
being blocked also.
All that aside, the best way to operate is actually to use a credit
card. Keep your monthly spends in an account that pays interest instead
of your bank account. Use a credit card that gives cash back or points
or cheap petrol or whatever and buy everything on it. At the end of the
month pay the credit card bill in full.
This method is also good for seeing where your money goes as it is all
laid out in a list, once a month.
Indeed. I've never had a debit card blocked but it has happened to a
Good advice. You also get the protection of the consumer credit act
on purchases over £100
I suspect the call centre person was misreading their script. After
all they are told to sell you lots of stuff you don't want every time
you call ;-)
 This is a maximum amount but it's not usually a problem for me ;-)
That's what I do too. I've set up a Direct Debit to pay the full
balance every month.
I think you also have a claim against the credit card company if the
supplier takes your money and goes bankrupt, which you don't get with a
debit card - I think so anyway, fortunately I've never had to use it.
It does but they are getting more active with fraud prevention and if it
is indeed random then it's possible that somebody will get three in a
short space of time.
Sounds like rubbish to me. The only advantage I could see is that if
your debit card was blocked you could try the credit card, or vice versa.
My guess is that you were unlucky with the initial blocks and the first
woman saw an opportunity to use some creativity to get her monthly quota
of credit card applications.
Going back in time, at least for IT, authentication of login to
servers was handled by a pool of servers running RADIUS database
software. You could image "one server for surname beginning A, one
server for surname beginning B" as it were. If one of the servers lost
its database due to corruption or hard drive failure, it was usually
recovered quite quickly - unless a complicated RAID failure occurred
making recovery more difficult in terms of manual intervention & time.
I suspect VISA ACCESS use similar authentication servers and
occasionally suffer an outage of a server affecting say 20,000 or
50,000 people in theory and some lesser number in practice (not
everyone uses their card every hour).
Automatic recovery probably handles most failures, but more complex
failures such as a network switch may take longer. So it may not be a
matter of a disk failure, just an example, they probably have
redundant failover servers in a complex scheme because the cost is
small compared to their revenue per transaction.
I had a nauseous problem a few weeks back on all VISA cards I had
(credit & debit) - neither Tesco nor Asda would process them online,
it was late evening. The securecode or whatever authentication screen
would not come up and would be rejected. Support from card issuers
(debit, credit) & stores did not find anything wrong. It resolved the
following morning, so perhaps authentication data was garbled or a
network switch had failed etc.
Another time the authentication screen seems to be bounced with "let
it through" without my doing anything.
Cards have replaced cash, the systems to handle them in terms of
people, cards per people, authentication etc are quite large. The
systems are very very robust - but not infallible. The delay makes me
think human intervention is still required to physically repair
systems, there is not absolute failover for a small-scale problem.
Note the £100 protection requires any item to be £100, not 100 items
of £1 as I recall. Worth noting (and same with shipping because I
think this might be excluded). Can not recall the precise wording.
Very very well worth using the protection, remember ordering IT in the
1980s... you sent a cheque... 28 days for delivery... 25 days for them
to get out of the country or get enough orders to make a bulk order,
or just not fulfill the order... card protection is useful. Protection
needs to be dropped to £50 though (and I can see card companies
conversely wanting the level index-linked and back-dated to 1975