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.

  • 1.
    Add or remove a cardholder

    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:

    • Additional cardholder requests are subject to 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 contact us. It’s useful to know that you can freeze cards or certain transaction types using the Mobile Banking app, giving you more control.
    • Additional cardholders won’t be able to access or manage your account, online or otherwise. If you need support with managing your account, our help centre pages are a good place to start.

    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 7am-11pm, seven days a week. If you choose to call, you’ll need your 16-digit credit card number.

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  • 2.
    Change your credit limit

    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 (Mon-Fri, 7am -10pm and Sat-Sun, 8am -6pm) 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 (Mon-Sun, 7am - 11pm). 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 (Mon-Fri, 7am - 10pm and Sat-Sun, 8am - 6pm).

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  • 3.
    Change the payment due date

    You 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, 7am - 11pm).

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  • 4.
    Change your PIN or get a reminder

    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 have the Mobile Banking app and you’ve forgotten your PIN, you can an instant reminder in the app.  Find out how to check your PIN.

    If you don’t have the app, you can find out how to download it here.

    If you’d prefer a paper reminder, we can send you a PIN reminder in the post. To get one:

    Log in to or register for Internet Banking. Select ‘Your account tools’, then ‘Replacement cards and PINs’.

    Or call us on 0345 964 5645 (Mon-Sun, 7am - 11pm). For security reasons, we can’t give you your PIN over the phone.

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  • 5.
    Change your paper-free settings

    If 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.

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  • 6.
    Change your address

    Call us on 0345 964 5645 (Mon-Sun, 7am - 11pm). Remember to have your credit card to hand.


    Print out and complete a change of address form (PDF 54KB) and post it to:

    Bank of Scotland
    PO Box 23581
    EH1 1WH

    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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  • 7.
    Change your name

    Step 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:

    • Deed poll.
    • Marriage certificate or civil partnership registration document.
    • Divorce papers or dissolved civil partnership papers.

    You can also post your completed form and proof of your name to:

    Bank of Scotland 
    PO Box 23581 
    EH1 1WH

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  • 8.
    Close your account

    If you’d like to close your account, call us on 0345 964 5645 (Mon-Fri, 7am - 10pm and Sat-Sun, 8am - 6pm) or write to Bank of Scotland, part of Lloyds Banking Group, at: 

    Lloyds Banking Group PLC
    Credit Card Operations
    BX1 1LT

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Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.