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How to pay your credit card
Explore easy ways to make payments online, by phone, in branch and by post.
Our guides
Getting started online
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If you're not registered for Internet Banking, you can visit us in branch or call us. You can also pay by post.
You’ll need your 16-digit credit card number if you call us.
A look at the details
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- You can make payments to your credit card account at any time, but you need to pay at least the minimum amount shown on your statement each month by the due date. Your minimum payment is either 2.5% of your balance plus any interest and fees or £5 – whichever is higher. Learn more about minimum payments.
- If you can't pay the whole statement balance, it's a good idea to pay as much as you can, as it may help to keep any interest costs down.
- If you only make the minimum payment each month, it'll take longer and cost you more to pay off your balance.
- If you miss or make a late payment, you are likely to be charged a late fee and damage your credit rating. You could also lose any promotional rates on your credit card and have to pay the standard interest rate instead.
- Set up a regular Direct Debit payment and we’ll automatically claim your selected payment amount when it’s due.
- If a Direct Debit isn’t taken for 37 months, it will become inactive, and your bank or building society will remove the details from their systems. If this happens, you’ll need to set up a new one.
- You can also make payments, instead or in addition to a Direct Debit, from a bank account, with a debit card, by cheque or with cash at a branch.
- If you choose to make one-off payments, just make sure that the method you use will get your payment to us on time.
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In addition to fees and charges, you could lose any promotional rates which apply to your account if you miss a payment. In that situation, your standard account interest rates and fees will apply. Missing a payment could also affect your credit score and ability to borrow in future, so it’s important to stay on top of things and manage your account well.
You need to make at least the minimum payment shown on your statement each month, and make sure that it reaches your account by the due date.If you’re experiencing difficulties with making credit card payments, please let us know so we can help. You’ll find information and support on our money worries page.
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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.
- To use Internet Banking, log in or register to get started. From your credit card account summary, select ‘More actions’, then ‘Paying your credit card’. Here, select ‘Request payment due date change’
Just be aware, your change may apply to a future payment, rather than the next one, depending on when you make your request.
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Different rates of interest could apply to different parts of your balance, and whether the standard variable rate or a promotional rate applies.
What's your standard variable rate?
Your standard variable rate is the rate of interest you pay when you have no promotional offers in place. It's also the rate you'd go back to paying after a promotional rate ends. You can find your current standard variable rates on your monthly statement.
Find out more about interest rates
What's a promotional rate?
Promotional rates are offered for a fixed period of time. For example, a 0% offer rate or a rate lower than your standard interest rate.
Find out more about promotional interest rates
You can check the rates that apply to your account balance on your latest credit card statement. You can view your latest statement using Internet Banking, the Mobile Banking app, or on your latest printed statement if you receive them.
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We apply payments to the part of your balance with the highest interest rate first. If your payment doesn’t pay off the full balance, we’ll allocate it in this order:
- Any overdue amounts from previous statements
- The minimum payment for that month
- The rest of the balance from your latest statement
- Any amounts that haven’t been included in your statement yet.
Please note: If you're in persistent debt, we may apply your payments differently.
What about different balance types with the same interest rate?
If your balances aren’t on introductory or promotional offers, but have the same interest rate, we’ll usually pay them in this order:
- Cash transactions, plus interest, fees and charges
- Purchases, plus interest, fees and charges
- Balance transfers and money transfers, plus interest, fees and charges
- Default fees.
What about multiple offers of the same interest rate and the same balance type?
Your payments will usually pay off the oldest balance first. However, if your balances are on introductory or promotional offers, and have the same interest rate, we’ll use your payments to pay off the offer that ends first. Next, they’ll pay off any fees, charges or payment protection insurance.
So, it's always worth checking the 'Breakdown of your balance' section on your monthly statement to make sure you know which balances your payments will be going towards.
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You can make additional payments at any time to reduce your balance and any interest costs, but it’s important to understand how interest is charged and when it applies, particularly if you plan to pay off your balance in full.
Because interest is calculated daily and charged to your credit card statement when it’s produced each month, you may need to pay an amount of ‘residual interest’. This covers the interest calculated on your balance in the days between your statement being issued and you making a full statement balance payment.
Note that you can’t overpay to cover any potential residual interest. The amount may vary based on the interest rates which apply to portions of your outstanding balance, so the best thing to do it look out for your next statement and pay any outstanding interest then.
We don’t charge further interest when there’s only interest left to pay.
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You can send us a cheque by post. Please don’t send cash.
Make your cheque out to Bank of Scotland and remember to write your name and credit card number on the back. Send your completed cheque to:
Card Services
Bank of Scotland (190)
PO BOX 187
Sheffield
S98 1LJIf you’re posting a cheque, please allow at least 7 working days for it to reach your Bank of Scotland credit card account.
We don’t accept cheques made out for a date in the future (post-dated). These are usually returned. This can result in a missed payment and fees.
