What does this mean?

Please remember that:


  • To reach our decision, we have considered your credit rating, number of cards, recent applications and your ability to afford the repayments.
  • If you have applied in the last 30 days, you will not be able to submit another application for a Bank of Scotland credit card.
  • You can’t have more than 3 credit cards with Lloyds, or more than 5 in total with Lloyds Banking Group.
  • You may still need to verify your identity.