Your Credit Score
Thinking about applying for credit? Check Your Credit Score for free, with no impact on your credit file.
Like all responsible credit card companies we take a number of factors into account when we assess your application. A credit search is when we carry out a search on your name and address with a Credit Reference Agency to help us understand more about your credit history. Each time a search is done it is noted on your credit record to let other organisations know that we have asked for information about you. Further information on credit scoring is available if you wish to find out more.
Back to topAs an existing Bank of Scotland credit card customer you can apply for a second credit card. A second Bank of Scotland credit card could give you additional flexibility over your finances with the ability to keep balances separate by using a second card for a specific purchase, event or to consolidate existing credit card debt. A second card may also give you the opportunity to take advantage of different credit card benefits such as introductory offers and rewards.
As an existing Bank of Scotland credit card customer you can apply to swap your credit card. Swapping your card means you only have one card in your wallet, as your current card will be closed and a new credit card issued.
Back to topThere are many ways that you can make a payment to Bank of Scotland credit cards. We have a full list of payment methods to help you to decide which best suits your needs.
Back to topIf you wish to make your monthly payments by Direct Debit, you have three options:
The Direct Debit will only collect the payment amount if you have sufficient funds in that bank account. If you do not, the payment will not be received by us.
Back to topWe will work with the bank who you have your current account with to set up a direct debit. You should keep making alternative forms of payment until you receive confirmation on your credit card statement that your Direct Debit has been set up.
Back to topYou have the right to cancel your Direct Debit at any time. You will need to contact us at least 4 working days before your payment collection date if you need to cancel your Direct Debit
Back to topYou can change the date of your monthly credit card payment to one that is more convenient for you. If you’re registered for Internet Banking, you can log in and change your payment due date online or just call 0345 964 5645 (8am – 8pm, seven days a week) and we’ll arrange it for you.
Not all Telephone Banking services are available 24 hours a day, seven days a week.
The current interest rate for your existing credit card is shown on your monthly statement. Alternatively you can call us for the information on 0345 964 5645 (8am – 8pm, seven days a week).
Not all Telephone Banking services are available 24 hours a day, seven days a week.
If you miss a monthly payment the use of your card may be suspended and we may need to contact you. We might also charge you a missed payment fee. If you exceed your credit limit, your account may be blocked and you will need to pay the excess amount before, or along with, your next monthly payment.
Missed or late payments will be recorded on your credit file and could affect your future credit rating.
Back to topThe length of your introductory offer depends on the card you have. Your introductory offer starts on the date that your Bank of Scotland Credit Card account is opened and the length of your introductory offer will be written in your credit card conditions. Introductory offers may be withdrawn if you exceed your credit card limit or do not make at least your minimum monthly payment on time.
Back to topAfter approving your request we will make arrangements with your other card issuer(s). Once these arrangements are complete, the money will normally arrive by the next working day. Find out more about balance transfers.
Back to topIf you're an online user, you can view your balance transfer offer and process the transfer online. From 'My accounts' select the 'Balance and money transfer' button next to your credit card account and follow the instructions on the screen to undertake the balance transfer.
Or call us on 0345 964 5645 (Lines are open 9am – 6pm Monday – Saturday).
Back to topIf you have a query about a particular transaction on your statement, call us on 0345 964 5645 (8am – 8pm, seven days a week.)
Not all Telephone Banking services are available 24 hours a day, seven days a week.
In order to help us to make a decision we require at least six months payment history on your account before you can request an increase of your credit limit. You can decrease your credit limit at any time after your card has been activated.
If you wish to apply to change your credit limit, please call 0345 964 5645 (Lines are open 9am – 6pm Monday – Saturday).
Back to topA money transfer lets you transfer money from your credit card to any of your own UK current accounts and benefit from a promotional interest rate on the transfer you make. Money transfers are not available on new credit cards but you may become eligible once you have held the card for over 3 months. You can view your eligibility and credit card offers through Online Banking. A transfer fee may apply.
Find out more about money transfers.
Back to topTake a look at our existing credit card customers page for information and help managing your credit card.
Back to topYou can redistribute your credit limit between your two Bank of Scotland Credit Cards. This means that if you have credit available (i.e. you’ve not used your entire credit limit) on one of your credit cards, you can move a proportion of it across to your other credit card. You can redistribute your credit limit once every six months and you can move a minimum of £100 and up to a maximum of 90% of your available credit limit. There must also be an overall credit limit of £500 left on the original card.
For example, you have 2 Bank of Scotland credit cards, and you want to redistribute your credit limit. You move £2,250 (90%) of your available credit limit in Credit Card A to Credit Card B. This brings the new credit limit on Credit Card B to £3,250. Please note that depending on your cards, you may be redistributing from a low rate APR to a higher rate APR.
Credit Card A | |||
Current Credit Limit |
Balance | Available Credit |
Final Credit Limit |
---|---|---|---|
£3,000 | £500 | £2,250 | £750 |
Move £2,250 from Credit Card A to Credit Card B
Credit Card B | |||
Initial Credit Limit |
Balance | Redistributed Credit |
New Credit Limit |
---|---|---|---|
£1,000 | £0 | £2,250 | £3,250 |
There are a couple of key points of which to be aware:
You can only redistribute your credit limit through telephone banking. If you wish to redistribute your credit limit, please have both your Bank of Scotland credit card details to hand and call 0345 964 5645 (8am – 8pm, seven days a week.)
Not all Telephone Banking services are available 24 hours a day, seven days a week.