Airtime rewards and cash fee on credit cards

General Chat
1

I am in a bit of a weird situation with Lloyds bank. Just out of the blue I decided to have a close look on my credit card statement and i saw that I had a few pence for cash transaction that were pending.
On looking back, it is from a transaction at Airtime rewards (supermarket gift card purchase) that I made on 30/06/2024. This transaction was charged a cash fee.

I then looked further down and I had several AR transactions with no cash fee before this one. Even after this transaction, I made several others that still did not attract a cash fee.

The agent via chat is returning the generic list of cash like transactions bla bla. I have told them i want to make a complaint instead because it does not make sense to pick out just one transaction and leave the rest.
Probably it happened to someone else too.

2

Compare the merchant category codes, that’ll probably show you what happened.

As a general rule don’t put anything on an LBG card unless you are absolutely certain it’ll be treated as a purchase - there were reports on MSE a while back of museum tickets being categorised as “government charges” and attracting a cash advance fee.

It’s enough to put me off using LBG credit cards for anything other than balance transfers, tbh.

3

I have no way to see MCC codes. All the Airtime rewards transactions have business type as not available.

I had this worry on the first AR purchase but it wasn’t charged a fee and made several of them. So I thought it is okay.

Most confusing bit is that only one transaction has been charged a fee, even those that came after it were not.

The person in chat has said they will not withhold my complaint, so I am going to the ombudsman when they send me the letter.

4

Can you not tap the txn name in the app and see “Business type” as you can for current account debit card txns?

5

All airtime rewards transactions have this as “Not available “

6

Ask them on chat to confirm the MCC of a handful of them, including the ones which drew a fee.

7

They escalated the issue to a manager and got a case number. This was after I declined their decision of not withholding my complaint

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8

I have gotten to the bottom of the issue.
Airtime rewards have confirmed it was an error on their end as they were rebranded.
They say the issue was fixed.

Lloyds also offered to refund the fee.

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