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Making a change to your account
Need to change something on your credit card account? Some changes you can make online but some you’ll need to make by post or in branch. Here’s our guide.
Common credit card account changes
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You can add up to 3 additional cardholders to your account, as long as they’re aged 18 or over. This could help you to keep track of all spending in one place.
Each cardholder will get their own card and PIN to use, giving them access to your credit limit.
Just be aware that:
- Requests are dependent on our security checks.
- As the main cardholder, you’ll be responsible for all spending and repayments on the account.
- If you remove a cardholder, you’re responsible for their credit card until it’s destroyed. If you can’t get the card back, please call us. It’s useful to know that you can freeze cards or certain transaction types using the Mobile Banking app, giving you control over how it’s used.
- Additional cardholders won’t be able to access or manage your account, online or otherwise. If you need help with managing your account, our help pages are a good place to start.
You can’t remove a cardholder by using our app, however this can be done by logging in through our website.
You can use the app for your everyday features such as viewing your recent transactions, making payments to your credit card and viewing your PIN when needs be.
If you don’t bank online, you can call us.
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You can increase your credit limit if you need more flexibility on your existing credit card. You can also decrease your credit limit to make your credit limit work for you.
Before increasing your credit limit, you’ll need to have at least three months of payment history on your account. When you send your request, we may complete a credit check to help us to make a further lending decision.
Before you increase your credit limit, just ask yourself:
- Does this offer suit my borrowing needs, or should I consider other options?
- Will I be able to make repayments, even if my circumstances change?
You can request to decrease your credit limit at any time, but it’s important to know that this could affect your credit score in the short term. because the ratio between used and available credit will increase. That contributes to the calculation of your overall score.
Using Internet Banking – login or register to get started. From your credit card account summary, select ‘More actions’, then ‘Manage credit limit’.
Using our Mobile Banking app – you can request a credit limit increase only.
If we offer you a credit limit increase
From time to time we may write to you offering a credit limit increase, although you don’t have to take it if we do. You’ll have the option to accept or decline the offer, with at least 30 days’ notice.
If you would rather not to be offered credit limit increases, you can change your preferences by calling us.
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You can change your payment due date to better suit your needs. For example, if you usually receive your salary later than your due date falls.
The fastest way to do this is through our Mobile Banking app or Internet Banking on a laptop or desktop computer.
- On the Mobile Banking app, from your credit card account summary select the 3 dots, scroll to Manage Account. Select Change payment due date to begin.
- Log in to Internet Banking. From your credit card account summary, select ‘More actions’, then ‘Paying your credit card’. Here, select ‘Request payment due date change’.
If you don’t bank online, you can call us.
Just be aware, your change may apply to a future payment, rather than the next one, depending when you make your request.
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Change or unlock your PIN
You can change or unlock your PIN at any UK Cashpoint displaying the LINK logo. Of course you’ll want to pick something that’s easy to remember, but make sure it’s not easy for someone else to guess.
If you’ve locked your card by using the wrong PIN, you can also unlock it at a LINK Cashpoint, although you’ll need to know the right PIN to do this.
Need a PIN reminder?
If you use our Mobile Banking app, you can view your PIN securely online.
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Credit card statements are issued by post, or online, depending on your preferences. If you need statements in another format, such as large print, Braille or audio CD, please call us.
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If you’d like to close your credit card account, you can do this in our app, by calling us or writing in.
Once your credit card is closed, we can’t reopen your account, and you can no longer make transactions. Your agreement will continue with us until you’ve paid off everything you owe.
Update your personal details
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If you have changed your address, please let us know as soon as possible. You can do this through our Mobile Banking app.
Find out how to change your address
If you don't use Internet Banking or our Mobile Banking app, you can call us.
Moving abroad
You must be resident in the UK to be eligible for a Bank of Scotland credit card. If you have a card account with us but move outside the UK in the future - you must let us know as it may affect your ability to hold the account or the services we can provide. We will contact you if we ever have to close your credit card account. Other products and services held with Lloyds Banking Group may also be affected by moving outside the UK.
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For security, if you need to change your name, you’ll need to visit a branch or write to us.
Although you can’t update your name online, you can complete and print the form you’ll need.
Log in or register for Internet Banking on a desktop or laptop computer. From the menu at the top of the page, select ‘Your profile’, ‘Change your contact details’, and then ‘Change name’.
You can also pick up a copy of the form at your local Bank of Scotland branch.
To complete the change, we will need documentation.
If you bought an insurance policy through Bank of Scotland, you’ll need to contact your insurer separately to let them know about your new name. If you don’t, it could affect your policy.
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It's important that we have up-to-date contact details for you. We may get in touch if we need to complete checks while you’re shopping or banking online.