Credit cards help & guidance

We have a range of information available to help you, whether you have a Bank of Scotland credit card or if you're thinking of applying. Find information on managing your existing credit card, or find out more about credit cards with our guides to credit cards.

If you're an existing Bank of Scotland credit card customer you'll also find answers to some of the most commonly asked questions.

Guides to credit cards

We have beginners' guides to credit cards that cover what they are, how they can work for you and things you should consider before applying.

Learn about credit cards

Choosing a credit card

How to apply for a credit card

Not sure if you would be accepted for a Bank of Scotland credit card? Use our helpful eligibility checker tool to find out in advance without harming your credit score. Please note that this is just an indication and doesn’t guarantee you’ll be accepted.

Check your eligibility

Already have a Bank of Scotland credit card?

As an existing Bank of Scotland credit card customer you may be eligible to apply for a second card* or to swap your existing card with us.

Apply for a second credit card

Swap your existing credit card

*Excludes customers holding or applying for a Classic or Student Card. Conditions apply.

Planning to go abroad?

You no longer need to tell us when you are going abroad, our fraud and security systems will always be on the lookout so you can relax when you are away.

If you would like more information about using your credit card abroad, you can can find details about our products and services in travel.


Common enquiries

This is a list of the most common enquiries our customers have when taking out or using a credit card or managing an existing credit card. Check to see if it can help you.

View our common enquiries

Lost or stolen credit card?

You can report your lost or stolen card online if you are registered for Internet Banking. Simply log in and fill in our form, or find it in the Menu of your Bank of Scotland Mobile Banking app.

Log in to report it

Alternatively, call us on 0800 0 288 335 (Lines open 24 hours a day, 7 days a week). If you are calling from abroad, call us on +44 (0) 131 454 1605.

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.