Thankfully, I haven't needed to visit a Lloyd's branch for some years - but if I did need to......
When we had to open accounts with TSB it refused to let me have a current account because the computer regarded me a s a credit risk. Ten minutes in the branch sorted it - because I always stay in credit in my cards, haven't borrowed money since my mortgage - paid off bin the early 80s, I was seen as high risk!!
Banks - I could *** them
Mike
Probably an unknown risk more than a high risk.
To alleviate the boredom of recent weeks, I've signed-up to three credit checking agencies & what they all say is amazing.
I have three credit cards, all with a zero balance which can cause my credit rating to drop & the advice is to use all of them because lenders & banks view unused cards as a warning flag that I might not trust myself to use them!!
So we're going to spread our shopping over the three cards & pay them all off each month.
Also the advice was not to ditch any of the cards nor to reduce the credit levels as this would be interpreted as me potentially getting into financial difficulties.
Another bit of advice was not to get near my credit limit so it's better to owe £5,000 on a card with a £15,000 credit limit than to owe £700 on a card with a £1,000 credit limit.
You couldn't make it up.