Lloyds TSB Student Banking

Money, money, money, must be funny in a rich man's world. However, if you are very poor and have just graduated, it is more akin to depression rather than hilarity. In my infinite wisdom 12 years ago, I wanted to choose a bank that had a nice colour scheme and tropical fish in its branch, rather than going for the best long-term investment interest rate (I was 8 at the time). So, I chose Lloyds, gradually saving up my pennies, and getting excited when the monthly statement used to arrive (Mum, look! I've got post!!!). Now I dread the drop of the shiny white envelope on my mat... What follows is a personal (and, ahem, very moving) account ...

After reading a number of ops on Lloyds TSB I feel that I must agree with most of them I like many others I have been with TSB (as it was known then) for all my banking life and when I applied to them for a credit card they said that because I was a student they could only give me a visa electron card. I was a little annoyed as the only reason I wanted it was for emergencies and so I did not need to carry cash everywhere. They informed me that after a substantial period of time they would review my application and send me a switch card if my performance with this electron card was adequate but as I cannot find any retailer that take the bloody thing ...

After having read a few of the other opinions of Lloyds TSB, all I can say is that I think that I must have been very lucky. I have banked with them for over four years now, and I have had very few problems with them. In fact, they have been a very good bank (there was a short time of inefficiency when Lloyds and TSB merged, but that has long since passed). I had no problems opening the account, and since then they have been very helpful. They extended my overdraft (interest free) to £2000 when I was in my fourth year of university, and all I had to do to get that was go in and ask, and it was done in the same day. When I had some money taken from my account ...