I suggest that anyone considering using Lloyds TSB Duo Cards thinks long and hard. It simply isn't worth it for a few air miles. My experience: Myself and wife had 2 lots of duo cards, one mislaid and assumed lost so reported it to card security people. All 4 cards stopped of course because they had a system where if one card is compromised all need to be stopped. They said that system had been changed and they would send out 4 new cards with different numbers (22nd May) Got letter dated 25th May saying your replacement cards are in the post. Allegedly sent first class. 1st June no cards so called Customer Service. Very unpleasant treatment from call centre agent who put me through to supervisor who said " You have failed to answer my colleagues security questions" That was untrue - I had answered as requested. Eventually convinced her by answering 3 more questions. "These will have to be stopped and we will start again" Pointed out I was going to USA on 5th so needed them quickly. Put through to fraud who said "We don't need to cancel them yet - see if they arrive tomorrow". Nothing on 2nd June so called again. Much more pleasant agent who spoke to security and said "They will be sending them out for next day delivery. You will need to be in to sign for them but that way you will have them before you leave. Will definitely arrive by 4th June at 12 noon" Post arrives on 4th June - nothing to sign for BUT 4 cards (ordinary first class post). Phoned to make sure these were OK. "Sorry, those are the one's we assumed were missing and they have been cancelled" Where are others? - "Don't know, should be there tomorrow". But I will be on my way to USA as I explained 2 days ago. "Nothing we can do" Why don't you reactivate these? "Our systems don't allow that". Why did you say they would be here and need to be signed for today? "Don't know. You shouldn't have been told that, we only ever send out by first class post. Cannot send recorded or by courier" How come I get these after chasing you and they were allegedly sent before 25th May? "We may have printed the wrong numbers on the new ones by mistake and the others are still missing" After escalating this 2 levels higher, and having got a manager who said "Well, there is nothing we can do, our systems don't allow it and quite frankly you can't please all customers" I took the decision to have nothing to do with any part of Lloyds TSB and told them to cancel any cards that might be in transit. Much more focus on Lloyds systems, very little focus on the customer.

LLoyds TSB Airmiles Duo cards will not speak to an additional card holder unless they hold an authority from the principal card holder. Out of the blue comes a letter requiring that any authority must cover ALL Lloyds TSB accounts held by the principal card holder now or in the future. The existing authority will be cancelled on May 15.Not much notice there. The original authority is worded that it stays in force until I give new written instructions.A new form of authority covering disclosure of any information about all my accounts is required by July 17.
No explanation was given. The letter was ungrammatical. But it was not a scam.
The call centre said that a new system was being introduced, but was not aware that existing authority would be removed on May 15.
Although this contradicts the import of the letter and the new authority form, the call centre operator, after consulting a supervisor, said that if I completed the authority it would only relate to my Duo card account. Should I believe that?
The wording of the original authority is that it will stay in force until Lloyds TSB receives my written instructions to change or cancel it.
Full access to irrelevant accounts seems a big extension of risk in these days of card cloning.
The hint of a new system at Lloyds Duo is welcome, judging by my experiences and many blogs. Despite advising them of an overseas trip my cards were blocked within a few hours. I was later informed that pre-notification of trips is not fed into the security system.

I moved to Lloyds TSB Duo card when Nat West stopped airmiles. I was really hacked off when I lost over 100 airmiles because my card declined when I tried to pay for a TV - out of pattern expenditure was the reason given 2 hours later when i managed to speak with them - they would not even give me my lost airmiles as a goodwill gesture. This week was the limit - my bank messed up a payment to them and they simply stopped my card 5 days because I was 5 days late in paying - they didn't call or write to me - apparently because I pay on time every time and it's in the terms and conditions that they don't have to inform me of issues. I was left standing in a busy petrol station with the cashier announcing at the top of his voice 'your card is declined'

I have used credit cards since Barclaycard first came out in the 1960's with no problems. For very many years I had Nat West credit cards and premier cards which gave Airmiles, and never a problem. When they stopped doing Airmiles I switched to Lloyds/ TSB Duo with Airmiles - big mistake!
I always pay my account off in full by direct debit every month but despite that I have had so many problems with declined payments for no good reason. This is, at best a nuisance and embarrassing but it has actually cost me hours of inconvenience and frustration trying to sort the problems out, with Lloyds/ TSB e.g. lost of money and broken contracts.
I definitely am not impressed and would not recommend them. I thinking of giving up the cards and going back to my previous card provider as I really feel they have provided a very consistent bad service.

It seems ot me that the systems are just not in place to provide a decent srvice. Staff do not seem to be able to give an explanation and have given me totally different stories and advice when I call. And zero points for customer service - for example:
- no e mail address for complaints so snail mail or fax only!
- no delivery of cards other than Mon - Fri when most people are at work?
Ever heard of a weekend or evening delivery LloydsTSB?
Avoid doing business with them!

LLoyds TSB Airmiles Duo Review - This method of improving take-up of cards using an opt-out system should not be permitted.
In my case I have been informed that it will take 'several weeks' to transfer the balances back to my original card!
When this saga is eventually over I shall be cancelling my Platinum card as well - I see no point in continuing with this card if it can be changes at the will of the bank!

Obviously I am extremely disappointed. I expected my cards promptly upon application. This may have been resolved now, but to say that they were surprised by the high demand perhaps signifies a business that does not understand its customer base, or worse, care. But having waited, I would have expected to be promptly credited with the introductory offer of bonus miles and those appearing on the monthly statement. I am no clearer if this is Lloyds or Airmiles fault, due to the lack of customer service. As a consequence, I will no longer be using this product.

I have had some similar problems with this card since moving from NatWest to keep earning AirMiles. After the 2 month wait, a PIN number problem upon issue required all cards to be re-issued - then the real problems started. The balance was "transferred" to my 2nd new account and I was advised to wait for a new statement before paying - although I setup a full-balance Direct Debit anyway. They failed to collect the balance from the 1st set of cards (even though I'd been told this wouldn't be collected anyway), then disabled by cards without notifying me, while I was on holiday!

Then the problems with the customer service line reported elsewhere - when I eventually got though I was promised a refund on all late charges and interest. I agreed, as a good-will gesture, to pay the £5 minimum payment they claimed was outstanding to get things working again.

So, I have access to my account again, but no sign of those refunds - time to waste a few more hours on the phone....

Customer Services takes an average of 33 minutes (based on 8 calls so far) Longest has been 48 minutes !! when you do get through they cannot answer any issues relating to the changeover from platinum to duo. In my opinion you should DUMP Lloyds in favour of a bank who knows what they are doing and actually care a fig about their customers !!! First - they issue a letter that says existing pin numbers can be used with new cards - they cannnot.
Second - they told me they had posted the new card(s) - they hadn't
Third - when I reported that the new card had not arrived they cancelled my existing platinum card and sent yet another one!.
Fourth - they issued a statement that omitted to transfer my July payment only the July debits
Fifth - they then charged me a non-payment and interest charge even though I had fully paid my July Statement in July !!
sixth- they eventually credited the july payment
7th - they have just debited it again !!!
8th - they have put me in touch with the "concerns department" who tell me they cannot sort any of this out for anything from 28 days to 3 months !! whatever happened to a COMPLAINTS department ????

The Lloyds TSB helpline is unbelievably bad, and I have tried British Gas, so I know what I am talking about.

I tried talking to them at 9am, 11am, 2pm, 8pm, and 10pm, and I am always told my call is important, and it is a 'busy period'.
I finally got through after a 45 minute wait, and I was promised the problem would be solved...needless to say it was not !!

I will never ring again.
I am very doubtful if the attraction of Air miles is worth the headache of trying to deal with the worst call centre service I have ever encountered...MBNA are so so much better.

I'm not even sure that it exists to be honest. I think they should've branded it the "Lloyds TSB Lock Ness Monster Card", because I think you're about as likely to see one as you are a prehistoric lizard emerging from a Scottish lake. I've been an Airmiles collector for years and had both Visa & Mastercard Airmiles credit cards when Nat West was running the scheme, whom I've been very happy with. I was told of the change in April and posted my application a few days later. Since then it's just been missed deadline after missed deadline. LLoyds TSB have completely failed to inform me as to what is going on, they have written to me 3 times in the last three months telling me that my application is being processed but have not once apologized for the delay. Every time I phone them to find out what the latest embarrassing pack of lies their callcentre staff have been told to fob us off with is, all I get is "it's been more popular than we thought and we've got so many applications to work through!" I ask you, how can a bank the size of LLoyds, take THREE WHOLE MONTHS to process a few credit card applications? I hate to think what would happen down there if they had to deal with a problem outside of their area of expertise. Who've they got assigned to clearing this backlog anyway? Anyway, my advice would be that unless you prefer to plan your shopping trips decades in the future, look elsewhere for a credit card folks.