Credit cards help and guidance

Need help? Whether you're thinking of applying for a Bank of Scotland credit card or you're already a customer, our quick links and useful guides will point you in the right direction.

Quick help with your credit card

Report your card lost or stolen

If you can’t find your card, there’s no need to worry.

You can report it lost or stolen online through Internet Banking or our Mobile Banking app.

We’ll cancel the existing card straight away and send you a new one.

Report your card lost or stolen

Get a replacement card or PIN reminder

If you’ve got a problem with your card or you need a new PIN, you can request a replacement card or PIN online.

Order a replacement card or PIN.

If you have forgotten your PIN there is no need to order a new one. You can now view your PIN instantly and securely in our app. Find out how to view your PIN.

Don’t recognise a transaction?

Most credit card purchases are covered by Section 75 of the Consumer Credit Act 1974. But even with this additional protection you may still need to dispute a transaction. If you see something you don’t recognise on your statement and the company that’s taken the payment can’t help, contact us to raise a payment dispute.

How to raise a payment dispute How to raise a payment dispute

Support with the cost of living

With the current rising cost of living impacting many of us, keeping on top of your money might be worrying. Our tools and support can help you stay on top of your spending.

Help with money worries

Help me manage my money

Free independent help and support

Need something else?

If you need more help with your Bank of Scotland credit card, visit our existing customers page. Here you can find out how to activate your card, how to make a change to your account, ways to pay your bill and other useful information.

Help for existing customers Help for existing customers

Understanding credit cards

Credit card basics

Our guides will help you understand the basics of credit cards and how to choose the best one for you.

How a credit card works

What is APR?

What is a credit score?

How to apply for a credit card

What is a balance transfer?

What is a money transfer?

What is a credit limit?

Staying in control

Getting to know your credit card better will help you enjoy its benefits while staying out of financial difficulties. Read these guides to feel more in control of your card.

Common credit card questions

Learn about APR, interest rates and fees

Top tips for managing your credit card

Managing persistent debt

Find out how to freeze your card

Understanding card declines

Going abroad?

You no longer have to tell us when you’re travelling abroad. Our fraud and security systems are always on the lookout for suspicious activity on customers’ accounts, meaning you really can relax when you’re away. But there are a few things you should know before you travel.

Read our advice on travelling abroad with a credit card

Making sure you get a fair deal

We want you to find a product that's right for your circumstances, which is why we adhere to the Standards of Lending Practice, which are monitored and enforced by the Lending Standards Board.

To find out more you can read the statement of responsibilities, which details what's expected of us, the lender and you the borrower.

Download the statement of responsibilities (PDF 60KB)