Managing your existing credit card

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Getting started

Managing your existing Lloyds Bank Credit Card is quick and easy to do. Here's everything you need to know about extra benefits you might be eligible for and information on how to manage your credit card.

Direct Debit

You control how you pay so you’ll have one less thing to sort out each month. There are 3 ways to pay:

  • Full payment – clears the total balance shown on your monthly statement
  • Minimum payment collects just the minimum payment shown on your monthly statement
  • Fixed amount or percentage – pays a fixed amount or percentage each month. We will always collect at least the minimum payment.

Simply log on to Internet Banking to set up a Direct Debit and click on the 'Pay credit card' button.

Log on to Internet Banking

Other payment optoions

  • Call us - If you have a current account with us, you can call us to make a payment over the phone on 0345 606 2172.
    Lines are open Mon-Sun, 24 hours a day.
  • Branch - You can pop into any Lloyds Bank branch with your credit card to make a cash or cheque payment.
  • Post - Post a cheque made payable to Lloyds Bank followed by your credit card number to:

    Lloyds Card Services,
    PO BOX 109,
    Sheffield,
    S98 1GE.

Important information:

  • Only send cheques via the post
  • Only use blue or black ink when writing cheques out
  • Allow 7 working days for the payment to reach us.

One-off payments

You can make a one-off payment can be made online, through mobile banking or direct from your current account provider:

  • Lloyds account – log in and select the 'Pay credit card' button. If you’re using the mobile app, select ‘Make a Payment’ from the menu button next to your card. All payments will show on your statement by the next working day
  • Other bank account – make a payment from your current account in the same way you pay a bill or person. Enter ‘0000 0000’ for the account number and ‘77 29 00’ for the sort code . The payment reference is the long number on the front of your credit card (often 16 digits).

Log in or register for Internet Banking to make a payment.

International payments

When making a payment from an overseas bank account your provider may ask you for the following details:

  • IBAN - GB38LOYD30675699067997
  • BIC/SWIFT - LOYDGB21705

Important information about payments

There are a couple of things that you need to remember when making payments:

  • however you choose to pay, you need to check that your payment will reach your account by the payment due date
  • Do not send cash in the post
  • Please remember to allow extra time for your payment to reach us over bank holiday periods.

Find out more about how payments are processed

Changing your payment due date

You can change the date of your monthly credit card payment to one that is more convenient for you.

  • Internet Banking - 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.
  • Call us - If you'd prefer, you can call us on 0345 606 2172. Lines are open Mon-Sun, 24 hours a day.

Request an additional cardholder

If you already hold a Lloyds Bank credit card you may be eligible to apply for a second card.

A second credit card could give you additional flexibility when you need it or the opportunity to take advantage of different credit card benefits.

Find out more about applying for a second card

Changing your credit limit

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 606 2172 (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 606 2172 (Mon-Sun, 24 hours).

Redistributing your credit limit

You can redistribute your credit limit between your two Lloyds Credit Cards.

This means that if you have credit available (i.e. you’ve not used your entire credit limit) on one of your credit cards, you can move a proportion of it across to your other credit card. 

You can redistribute your credit limit once every six months and you can move a minimum of £100 and up to a maximum of 90% of your available credit limit. There must also be an overall credit limit of £500 left on the original card.

For example, you have 2 Lloyds credit cards, and you want to redistribute your credit limit. You move £2,250 (90%) of your available credit limit in Credit Card A to Credit Card B. This brings the new credit limit on Credit Card B to £3,250 and leaves £750 as the final credit limit on Credit Card A. Please note that depending on your cards, you may be redistributing from a low rate APR to a higher rate APR.

Credit Card A Move £2,250

Credit Card B
Current credit limit £3,000 Initial credit limit £1,000
Balance £500 Balance £0
Available credit £2,250 Redistributed credit £2,250
Final credit limit £750 New credit limit £3,250


There are a couple of key points of which to be aware:

  • Redistributing your credit limit is different from a balance transfer. Redistributing your credit limit simply means that you can allocate your credit limit across your Lloyds credit cards. It does not pay off any outstanding balance on Credit Card B or Credit Card A as shown in the example.
  • Redistributing your credit limit is different from a credit limit increase where you can request to have a higher credit limit. Redistributing your credit limit does not increase the combined credit limit available to you.

You can only redistribute your credit limit through telephone banking. If you wish to redistribute your credit limit, please have both your Lloyds credit card details to hand and call 0345 606 2172 (24 hours a day, 7 days a week)

Requesting a new PIN number

If you’ve forgotten your PIN, you can request a PIN reminder which will be sent through the post. You’ll receive your reminder by post in 3-5 working days.

Just select one of the following options:

  • Log on to Internet Banking - Use our replacement cards and PINs service by selecting it from the ‘More actions’ tools.
  • Use our Mobile Banking app and select the account action button ( the 3 dotted icon) for your chosen account.
  • Call us on: 0800 032 0444 or +44 2074 812 548 from outside the UK. We're available to take your call 24 hours a day, 7 days a week.

    Please note:
    for security purposes, we can't tell you what you're PIN number is over the phone.

Personalising your PIN number

You can change your PIN at most UK cash machines.

Its easy to change your PIN to a number you already know – a memorable date, for instance. Just insert your card and using the PIN we've sent you, follow the on-screen instructions.

Rates and charges

Understanding credit card rates, fees and charges and what they mean for you can help your financial decisions.

There a range of important things to consider such as APR, promotional rates and interest payments.

Using your credit card abroad

Tell us your travel plans

If you are planning to go abroad soon, don’t forget to tell us your travel plans. We always look out for unusual activity on your credit cards, so by telling us your travel plans we'll expect to see international spending on your account.

It only takes a few minutes. Just log on to Internet Banking and fill in our simple form, or find it in the Menu of your Lloyds Mobile Banking app.

Tell us your travel plans

Alternatively, you can call us on 0345 300 0000 or visit your nearest branch.

Difficulty using your credit card abroad?

If you experience any difficulty using your credit card while you are away, you can call us on 0345 606 2172. Find more information about using your cards abroad.

Remember to ensure your contact numbers are up to date by logging on to Internet Banking, calling us on 0345 606 2172 or visiting your nearest branch.

    Internet Banking icon

    Managing your credit card online

    If you already have a Lloyds Bank account, you can use Internet Banking to see your credit card balance alongside your other accounts. You can instantly make transfers to your credit card, and keep an eye on what you’re spending.

    It’s free and easy to manage your credit card online:

    • see your credit card balance as well as up to three months’ transaction history
    • manage your PIN
    • pay your credit card online
    • apply to increase or decrease your credit card limit (subject to status)
    • make balance transfers
    • add an additional cardholder

    Register for Internet Banking

    Log on to Internet Banking