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Swapping your existing Bank of Scotland credit card
As an existing Bank of Scotland customer you can apply to swap your credit card
Swapping your Bank of Scotland credit card could allow you to take advantage of a new card with different features and benefits to suit your current need and lifestyle including introductory offers and rewards.
Swapping your card also means you only have one card in your wallet, as your current card will be closed and a new credit card issued.
How could swapping your credit card help you?
For example, you have an existing credit card that doesn’t work for you anymore. You may have taken out a credit card to consolidate your card debt and the balance has been paid off. Now you’d like to make a purchase and benefit from a promotional offer or put your day-to-day spending on a card.
Swapping your card, means you can have a new credit card that meets your current need.
You’ll lose any existing interest rates when you swap, including any introductory or promotional rates. If you have any instalment plans these will also be cancelled and you won't be refunded any fees you've already paid. Any remaining balances you have when you swap, will form part of your new card's balance at your new card rate, so you may want to pay those off on your existing credit card first.
Want to keep your existing credit card?
Have a second credit card to give you the flexibility you need.
Still want to swap your credit card?
Other options available on your existing credit card:
- Increase your credit limit; you can review your current credit card limit to meet your needs
- Check for balance transfer offers on your existing credit card; as an existing customer you can benefit from balance transfer offers, which could help you save money and manage your finance
- Request an Additional Cardholder; you can request an additional card for a family member or someone else over 18 years old. All transactions appear on a single monthly statement, so you can easily keep track of family spending.
