To add, remove or amend a cardholder:
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.
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, or you can call 0345 964 5645 (Mon-Sun, 24 hours).
From time to time we may write to you offering a credit limit increase. If this happens, we will give you 30 days notice before any change will take effect. Should you wish to decline the change, call 0345 964 5645 (Mon-Sun, 24 hours).
You can change or unlock your credit card PIN at any cash machine that displays the Link symbol. You cannot unlock your PIN abroad.
If you've forgotten your PIN, you can request a PIN reminder which will be sent through the post. You’ll receive your reminder in 3-5 working days.
To request a reminder:
To close your account please call us on 0345 964 5645 (24 hours a day, 7 days a week) or write to Bank of Scotland, part of Lloyds Banking Group, at:
Lloyds Banking Group PLC
Credit Card Operations
You can report your card as lost or stolen online, if you are registered for Internet Banking. Simply log in and complete our online form.
If there is a problem with your credit card you can report it and request a replacement online. Simply log in to Internet Banking or use the Bank of Scotland Mobile Banking app.
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.
You have two options:
Call our customer services department on 0345 964 5645 (Mon-Sun, 24 hours). Remember to have your credit card to hand.
Alternatively, complete the Change of address form and post it back to us.
Step 1: download and complete a ‘Changes to customer name’ form. This form is available by logging in to Internet Banking and selecting ‘Change details’ from the ‘Your profile’ tab at the top of the page. You can also pick up the form in branch.
Step 2: visit your local branch with the completed form and proof of your name. Alternatively, post your completed form and proof of your name.
You must have an original or a certified copy of the name change document, for example:
However you choose to pay, you need to check that your payment will reach your account by the payment due date. Find out more about how payments are processed here.
You can change the date of your monthly credit card payment to one that is more convenient for you. To change your due date online log in to Internet Banking and select the ‘more actions’ button on your credit card account, then the ‘paying your credit card’ button. Or you can call us on 0345 964 4645 (Mon-Sun, 24 hours).
For information and frequently asked questions on how we can help you make a claim for disputed payments on your Bank of Scotland credit card, please see our payment disputes page.