Credit cards help & guidance

We have a range of information available to help you, whether you have a Bank of Scotland credit card or if you're thinking of applying.
You can read information on managing your existing credit card, a guide to credit cards and we have answered some of the most commonly asked questions.

Existing customers

This is the place to find information on how to manage and service your Bank of Scotland credit card.

 Find out more

Guide to credit cards

A beginners guide to credit cards. What they are, how they can work for you and things you should consider before applying.

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Common enquiries

This is a list of the most common enquiries our customers have when taking out or using a credit card. Check to see if it can help you.

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Payment disputes

Help with disputing payments on your Bank of Scotland credit card.

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Terms & conditions

Draft terms & conditions for Bank of Scotland Credit Cards.

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Internet Banking

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Find out more

Planning to go abroad?

Tell us your travel plans. This will help make more of your card transactions hassle free while you're away. Log in and select the ‘Going abroad? Tell us’ link under ‘Your account tools’.

 Log in to Internet Banking

Or find out how to register for Internet Banking.

Alternatively call us on 0345 964 5645 (Mon-Sun, 24 hours) or visit your local branch.


Lost or stolen credit card?

You can report your card lost or stolen if you are registered for Internet Banking. Simply log in and complete our online form.

Or, phone us on 0800 0 288 335 (Lines open 24 hours a day, 7 days a week). If you are calling from abroad, you can call us on +44 (0) 131 454 1605.

Already have a Bank of Scotland Credit Card?

You may be eligible to apply for a second card* or to swap your existing card with us.

*Excludes customers holding or applying for a Classic or Student Card. Conditions apply.