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.

You can read information on managing your existing credit card, a guide to credit cards and we have answered some of the most commonly asked questions.

Existing customers

This is the place to find information on how to manage and service your Bank of Scotland credit card.

Manage your card

Balance transfers

Money transfers

Help with credit card debt

Rates, fees and charges explained

Top tips for managing your credit card

Guide to credit cards

A beginners guide to credit cards. What they are, how they can work for you and things you should consider before applying.

Learn about credit cards

Common enquiries

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

View our common enquiries

Terms & conditions

Draft terms & conditions for Bank of Scotland Credit Cards.

Read our terms & conditions

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.

Find out more

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.

Already have a Bank of Scotland Credit Card?


You may be eligible to apply for a second card* or to swap your existing card with us.

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