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're registered for Internet Banking, you can report your credit card lost or stolen online.

Log in to report your card lost or stolen

Or call us on 0800 028 8335. If you're outside the UK, call +44 (0) 131 454 1605. Lines are open 24 hours a day, 7 days a week.

Get a replacement card or PIN reminder


If you’ve got a problem with your card or you've forgotten your PIN, you can request a replacement card or PIN reminder online.

Log in to get a new card or PIN reminder

Or call us on 0345 964 5645 (Mon-Sun, 7am - 11pm).

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

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.

More help for existing customers

Understanding credit cards

Getting your first credit card


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

Your guide to credit cards

How to choose a credit card

How to apply for a credit card

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

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.