About your card

Here are some of the extra benefits you get with your Bank of Scotland Credit Card

• Cover against online fraud and your transactions are protected by Bank of Scotland Secure when you shop online with participating retailers. Find out more about Bank of Scotland secure.
• Manage your card online using Internet Banking and Mobile Banking.
• Make Faster Payments to your card within a matter of hours, giving you more flexibility and control over your finances.
• Accepted wherever you see the Mastercard® sign at over 33 million locations worldwide.

What is a representative example?

The representative example is an illustration of the rate that the majority of customers will get. If a credit card is described as having a particular representative APR, then at least 51% of the applicants accepted will get that rate. Other customers may get a different rate based on their individual circumstances.
We use an example borrowing amount of £1,200 to calculate our representative example but in reality this figure could be different. This figure is not the credit limit you will be receiving and is for illustrative purposes only.
The purchase rate is the rate of interest you'll be charged on purchases made with your credit card after any introductory offer has ended. A variable rate means that your interest rate may change over time.

What does APR mean?

Annual Percentage Rate (APR) tells you how much your borrowing will cost over an average year. It takes into account interest charged as well as any additional fees you'll have to pay (such as any annual fees). This figure is given to allow you to make an easy and fair comparison between different credit cards.

How do we decide the APR you get?

We treat all applications on an individual basis. So the APR you get is determined by the details supplied on your application, along with an independent verification of your credit and repayment history.
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