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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.
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:
You can add a cardholder in 2 ways:
Login or register for Internet Banking. From your credit card account summary, select ‘More actions’, then ‘Account services’.
Call 0345 964 5645. Speak to an adviser 8am – 8pm, seven days a week.
Not all Telephone Banking services are available 24 hours a day, seven days a week.
If you choose to call, you’ll need your 16-digit credit card number.
To request a credit limit increase, you’ll need a payment history of at least six months on your account. We’ll only offer you an increase if we think you can afford it. You can ask to lower your credit limit at any time.
We may sometimes write to you to offer a credit limit increase. You’ll have at least 30 days’ notice before the change happens automatically. If you don’t want the increase, call us on 0345 964 5645 (9am – 6pm Monday - Saturday) before the date your limit is due to change.
If you’d prefer not to receive these offers in future, let us know by calling 0345 964 5645 (8am – 8pm, seven days a week.)
Not all Telephone Banking services are available 24 hours a day, seven days a week.
You can call us to change this preference any time.
How to change your credit limit
Log in to or register for Internet Banking. Click the ‘More actions’ button next to your credit card, then select ‘Manage credit limit’.
Or call us on 0345 964 5645 ( Lines are open 9am – 6pm Monday – Saturday).
Back to topYou can change the date of your monthly credit card payment to one that’s more convenient for you.
How to change the payment due date
Log in to or register for Internet Banking. Select the ‘More actions’ button on your credit card account, then select ‘Paying your credit card’.
Or call us on 0345 964 5645 (Mon-Sun, 8am – 8pm).
Not all Telephone Banking services are available 24 hours a day, seven days a week.
How to change or unlock your PIN
You can change or unlock your PIN at any UK Cashpoint that shows the LINK symbol. If you think someone knows your PIN, you should change it straight away.
How to get a PIN reminder
If you’ve forgotten the PIN for your card, you can get an instant reminder of your PIN in our secure app.
If you don’t have the app, you can find out how to download it here.
Learn how to request a PIN reminder
Back to topIf you have Internet Banking, you can choose to receive a PDF statement each month instead of a paper statement. This cuts the clutter and means your statements are conveniently kept in one place. We’ll send you an email each month when your statement is ready for you to view.
If you choose online statements, you’ll stop getting paper statements by post. You can change your mind and switch to paper statements at any time.
How to change your paper-free settings
Log in to or register for Internet Banking. Select ‘Your profile’ from the toolbar at the top of the page and choose your preferred paper-free setting.
Back to topCall us on 0345 964 5645 (Mon-Sun, 8am – 8pm).
Not all Telephone Banking services are available 24 hours a day, seven days a week.
Remember to have your credit card to hand. You can also visit a branch.
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.
Back to topStep 1: Log in to or register for Internet Banking. Select ‘Your profile’ from the toolbar at the top of the page, then ‘Change my details’, then ‘Change name’. Complete the on-screen form and print it out. You can also pick up the form in branch.
Step 2: Visit a branch with the completed form and proof of your name. This proof must be an original or a certified copy of the name change document. For example:
You can also post your completed form and proof of your name to:
Bank of Scotland
PO Box 23581
Edinburgh
EH1 1WH
If you’d like to close your account, call us on 0345 964 5645 Lines are open 9am – 6pm Monday – Saturday or write to Bank of Scotland, part of Lloyds Banking Group, at:
Lloyds Banking Group PLC
Credit Card Operations
BX1 1LT