Debit Card Question

iFrankie · 10-03-2009, 10:00

i don't know if this is the right place to ask this question so sorry in advance anyways, i have a lloyds TSB debit card which has a Â£200 limit per day i need to take more than 200 today and was wondering if i could get cash back in a shop or would it just be denied?.

thanks

**Kymmy** · 10-03-2009, 10:01

Probably denied...Probably the only way to get more than the 200 is in a TSB branch

iFrankie · 10-03-2009, 10:04

Quote:

Originally Posted by Kymmy

Probably denied...Probably the only way to get more than the 200 is in a TSB branch

yeah good idea ill give them a ring and see what they say thanks

Welshchris · 10-03-2009, 10:18

or u could get them to change what type of card u have. My debit card allows me to withdraw upto Â£300 a day from a cash point.

iFrankie · 10-03-2009, 10:21

Quote:

Originally Posted by Welshchris

or u could get them to change what type of card u have. My debit card allows me to withdraw upto Â£300 a day from a cash point.

which bank are you with? when i was with natwest i had the same (Â£300) shouldn't of changed really.

i rang them up they put me on hold so i gave up lol.

Scarlett · 10-03-2009, 10:29

Do you still have a cheque book? other option is a direct bank transfer (if you can do that on this occasion, otherwise its into the bank for the cash.

iFrankie · 10-03-2009, 10:32

Quote:

Originally Posted by Scarlett

Do you still have a cheque book? other option is a direct bank transfer (if you can do that on this occasion, otherwise its into the bank for the cash.

yeah iv got a cheque book but i have never used one before, it isn't to difficult is it to use one?

superbiatch · 10-03-2009, 10:42

You are limited for a reason, just in case someone does get hold of your card and pin. Only thanks to this alone, my account was only Â£180 down, instead of over 1k which they tried to withdraw after cloning my card

(still it didn't stop them purchasing hundreds of pounds worth of mobile phones online

- i did get the money back, but months later!)

Do yourself a favour and leave it as it is, if you need to withdraw more, go into the bank.

iFrankie · 10-03-2009, 10:53

Quote:

Originally Posted by superbiatch

You are limited for a reason, just in case someone does get hold of your card and pin. Only thanks to this alone, my account was only Â£180 down, instead of over 1k which they tried to withdraw after cloning my card

(still it didn't stop them purchasing hundreds of pounds worth of mobile phones online

- i did get the money back, but months later!)

Do yourself a favour and leave it as it is, if you need to withdraw more, go into the bank.

thanks, thats bad luck isnt it!, i don't need the money desperately 24 hours wont kill me lol

superbiatch · 10-03-2009, 10:58

Quote:

Originally Posted by Frankie07

thanks, thats bad luck isnt it!, i don't need the money desperately 24 hours wont kill me lol

Just noticed where you live Frankie, my card was cloned at the cashpoint in Rainhill at the Shell garage (not once, but twice!) so beware

iFrankie · 10-03-2009, 11:04

Quote:

Originally Posted by superbiatch

Just noticed where you live Frankie, my card was cloned at the cashpoint in Rainhill at the Shell garage (not once, but twice!) so beware

luckily i never go to rainhill lol, but thanks for the heads up my sisters usually go the shell garage so i shall tell them.

MikeyB · 10-03-2009, 12:29

Funny you ask this.

I needed to get out more than Â£200 last night, and thought my Lloyds TSB debit card had a Â£200 limit.

Went and tried it and it let me get out what I needed, okay it was only Â£220 but that more that I remember I could get out before.

SnoopZ · 10-03-2009, 12:42

You might try going to the cash point at Lloyds and getting out Â£200, theen go straight to a cashpoint of another bank and do the same. This worked for me once when i needed the money for a holiday. Or try getting it in a shop like Tesco.

AndyCambs · 10-03-2009, 13:24

Quote:

Originally Posted by Frankie07

yeah iv got a cheque book but i have never used one before, it isn't to difficult is it to use one?

You don't know how to use a chequebook?

The limit is normally imposed on cash withdrawals to prevent unauthorised use of cards. Best option is to go into the bank and they will check the transaction and give you the money.

Charlie_Bubble · 10-03-2009, 13:25

All you have to do is walk into a Lloyds branch and ask them. They'll do it there and then if you have the funds. I've taken Â£1000 out in cash before by doing this.