on our Southern services, it is Lloyds cards that kick up the most fuss (the green card variety)
They are set to refuse all offline transactions because Lloyds has a product called Control which for £10 a month guarantees you won't ever be charged unauthorised overdraft fees. To do this it has to ensure that there are no offline transactions for all cards, because Control can be added to an account without the card being reissued.
