Existing credit card customers

Take a look at the options available to you if you’re an existing Bank of Scotland credit card customer and learn how to use and manage your existing card.

Managing your credit card


There are many options and services available to help manage your card and make it work for you. Find out how to add additional card holders, keep your account details up to date and much more.

Managing your credit card

Managing your payments

Activate your credit card


Just opened your new credit card? It's quick, easy and secure to activate your card online. Remember you'll need your new credit card to hand.

Changing your credit limit


You can apply to increase or decrease your credit limit online, simply select the ‘more actions’ button on your credit card account and then the ‘manage credit limit’ button.

Log in to manage your credit limit

Alternatively, you can call 0345 964 5645 (Mon-Sun, 24 hours a day, seven days a week).

Balance transfers


Thinking of making a balance transfer? As an existing credit card customer you could benefit from a balance transfer offers. Balance transfers allow you to transfer the balance from one credit card or store card, where you may be paying interest, to another credit card.

Balance transfers

Money transfers


Want to transfer money to your current account? As an existing Bank of Scotland credit card customer you may be able to benefit from a money transfer offer. Money transfers allow you to transfer money from your credit card to any of your own UK-based current accounts.

Money transfers

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.

Our credit cards are accepted worldwide, with the same security and convenience that you get in the UK.

Using your credit card abroad

Lost or stolen card?


You can report your card lost or stolen if you are registered for Internet Banking.

Log in and complete our online form

Or, phone us on 0800 028 8335 (Lines open 24 hours a day, 7 days a week). If you are calling from abroad, you can call us on +44 (0) 131 454 1605.

Help with credit card debt


If you're starting to worry about credit card debt or experiencing financial difficulties, we're here to help. Find out more information about how we can help you manage your finances.

Get help with money worries

Interested in one of our other credit cards?

Apply for a second credit card


If you're making a large, one off purchase or planning a for something special, a second Bank of Scotland credit card could give you the flexibility you need. Excludes customers holding or applying for a Classic or Student Card. Conditions apply.

Swap your credit card


Swapping your Bank of Scotland credit card could allow you to take advantage of our different credit card features and benefits, so you always have a card to suit your changing needs. Conditions apply.

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.

Bank of England Base Rate


If the Bank of England decides to change the Base Rate this could affect the interest you pay on your credit card.

Base rate information