I would have liked to put no stars! I have been with lloyds bank over 30 years, had no missed payments or bad credit. My husband has had an accident and is unable to work for the next few months until he recovers from his operation , so we are down to just 1 wage, I rang lloyds bank to ask them if they could not charge any fees for a short period of time if we use my overdraft, I was put through to an advisor who went through our income based on the situation we are now in and our outgoings, informed me we will have more going out than comming in, I pointed out that I knew this which is why I rang for support, I was then put through to another dept and told as this was the case they have put a stop on my credit card and if we use the overdraft and don't clear it in 30 days they will close all our accounts! Shocking customer service, they need training on bieng a human. Obvious to say we are leaving them.