There are some Lloyds timeframes you may want to note
Lloyds Bank has clarified its bank card policy after a customer reported having frustrating experience with the high street lender. The individual contacted the savings provider for assistance after having difficulties completing a task online.
The customer explained that they wanted to request a replacement card, as their existing one was due to expire shortly. But apparently they couldn’t do this through the usual channels. They asked: “Why is there not an option to request a new card because the old card is running out? Why is there only an option for stolen or damaged? The new card hasn’t arrived. And online chat is saying choose stolen. Why? Just put one in there saying card’s running out?”
In response, Lloyds outlined its standard procedure for cards that are approaching their expiry date. The bank said: “Replacement cards are normally sent automatically before your current card expires, so there isn’t an option to request one for this reason.
“If your new card hasn’t arrived, please message us 24/7 via the app or online banking and our team can assist.” However, the customer remained unconvinced, arguing that the policy still didn’t make sense.
They said: “Just seems silly the need to message if it hasn’t arrived. Also what happens when you send a letter saying you’ve not used a card in 12 months therefore we’re not sending a new card out? How do you then request a card for that?”
Different rules
Lloyds Bank replied to clarify that the situation differs if you haven’t used your card for a considerable period. The bank told the customer: “If a card hasn’t been used for some time, a replacement won’t be sent automatically.
“To request a new card, you’ll need to message us via the app or online banking, so we can securely check the account. We’re unable to do this from here.”
Should your bank card be damaged or lost, Lloyds provides guidance on its website on how to order a replacement. This can be done either through the app or via online banking.
The guidance explains: “When ordered, you’ll receive a new card within five working days. You can use the app to view your new card details while you’re waiting.”
To use this service and request a replacement card, you will need to have a registered address in the UK.
