We are experiencing a high number of calls at the moment. So that we can support those in the most vulnerable situations, please only call if it is urgent. Remember, you can do most of your banking tasks yourself online, either using our app or through Internet Banking

 

Making a change to your credit card account

Update your contact details, manage your account and more, online, by phone or in branch.

Common credit card account changes

  • You can add up to 3 additional cardholders to your account, as long as they’re aged 18 or over, which could help you to keep track of joint spending in one place.

    Each cardholder will get their own card and PIN to use, giving them access to your credit limit.

    Just be aware that:

    • Additional cardholder requests are subject to security checks.
    • As the main cardholder, you’ll be responsible for all spending and repayments on the account.
    • If you remove a cardholder, you’re responsible for their credit card until it’s destroyed. If you can’t get the card back, please contact us. It’s useful to know that you can freeze cards or certain transaction types using the Mobile Banking app, giving you control over how it’s used.
    • Additional cardholders won’t be able to access or manage your account, online or otherwise. If you need help to manage your account, our customer support pages are a good place to start. 

    Using Internet bankinglog on or register to get started. From your credit card account summary, select ‘More actions’, then ‘Account services’.

    Call us on 0345 606 2172. Speak to an adviser 7am-11pm, 7 days a week. If you choose to call, you’ll need your 16-digit credit card number.

  • You can choose to increase your credit limit if you need more flexibility on your existing credit card, or decrease it if you’d like to limit the amount of credit available to you.

    Before increasing your credit limit with Lloyds Bank, you’ll need to have at least 6 months of payment history on your account. When you submit your request, we may complete a credit check to help us to make a further lending decision.

    Before you increase your credit limit, just ask yourself:

    • Does this offer suit my borrowing needs, or should I consider other options?
    • Will I be able to make repayments, even if my circumstances change?

    You can request to decrease your credit limit at any time, but it’s important to know that this could affect your credit score in the short term, because the ratio between utilised and available credit will increase. That contributes to the calculation of your overall score.

    Using Internet bankinglog on or register to get started. From your credit card account summary, select ‘More actions’, then ‘Manage credit limit’.

    Call us on 0345 606 2172. Speak to an adviser 7am-11pm, 7 days a week. If you choose to call, you’ll need your 16-digit credit card number.

    Using the Mobile Banking app – you can request a credit limit increase only.

    If we offer you a credit limit increase
    From time to time we may write to you offering a credit limit increase, although you don’t have to take it if we do. You’ll have the option to accept or decline the offer, with at least 30 days’ notice.

    If you’d rather not to be offered credit limit increases, you can change your preferences by calling 0345 606 2172. Speak to an adviser 7am-11pm, 7 days a week.

  • You can change your payment due date to better suit your needs, for example, if you usually receive your salary later than your due date falls.

    Using Internet banking log on or register to get started. From your credit card account summary, select ‘More actions’, then ‘Paying your credit card’.

    Call us on 0345 606 2172. Speak to an adviser 7am-11pm, 7 days a week. If you choose to call, you’ll need your 16-digit credit card number.

    Just be aware, your change may apply to a future payment, rather than the next one, depending when you make your request.
     

  • Change or unlock your PIN

    You can change or unlock your PIN at any UK cashpoint displaying the LINK logo. Of course you’ll want to pick something that’s easy to remember, but make sure it’s not easy for someone else to guess.

    If you’ve locked your card by using the wrong PIN, you can also unlock it at a LINK cashpoint, although you’ll need to know the correct PIN to do this.

    Need a PIN reminder?

    If you use our Mobile Banking app, you can view your PIN securely online.

    Find out how to view your PIN in the app

    Alternatively, to request a PIN reminder by post:

    • Log on or register for Internet Baking, select ‘Your account tools’ from the menu, then ‘Replacement cards and PINs’.
    • Or call 0345 606 2172. Speak to an adviser 7am-11pm, 7 days a week.

    Postal PIN reminders will be delivered within 3-5 working days.

  • Credit card statements are issued by post, or online, depending on your preferences. If you need statements in another format, such as large print, Braille or audio CD, please contact us.

    How to set your preferences

    Using Internet bankinglog on or register to get started. From the help and support menu, simply select ‘Manage online and paper preferences’.

    Using the Mobile Banking app – once you’re logged in, tap the ‘Settings and info’ icon in the top-right corner of the page (the little cog), then select ‘How we contact you’.

    There are benefits to receiving statements online:

    • We’ll send an email when a new statement is available to view securely online.
    • Access your statement straight-away, rather than waiting for postal deliveries.
    • View up to 7 years of statements (PDF) in one place.
    • Download, save and print copies at home.
    • There’s less chance of statements getting misplaced.
    • You’ll have less paper to keep safe and organised at home.

    Understanding your credit card statement

  • If you’d like to close your credit card account, there are two ways to do this.

    Call us on 0345 606 2172. Speak to an adviser 7am-11pm, 7 days a week. If you choose to call, you’ll need your 16-digit credit card number.

    Write to: Lloyds Banking Group PLC, Credit Card Operations, BX1 1LT

    In your letter, please include your:

    • Name and date of birth.
    • Credit card number.
    • Phone number or email address.
    • Signature.

    If you receive online statements for the account you intend to close, make sure you save or print copies beforehand. You won’t be able to access these once your account is closed.

    Is there a balance on your account?

    If you have an outstanding balance, you need to continue to make payments. Your account will show as active on your credit record until that balance is repaid in full.

    If your account is in credit, we can arrange a credit balance refund to your UK current account. To do that, give us a call on 0345 606 2172. Speak to an adviser 7am-11pm, 7 days a week.

    Once your balance is zero, we'll let the credit reference agencies know your account is closed and they’ll update your credit record accordingly.

Update your personal details

  • It's important that we have up-to-date contact details for you. We may get in touch if we need to complete checks while you’re shopping or banking online.

    Using Internet bankinglog on or register to get started. From your credit card account summary, select ‘Your profile’, then ‘Change your contact details’.

    Using the Mobile Banking app – once you’re logged in, tap the ‘Settings and info’ icon in the top-right corner of the page (the little cog), then select ‘Your contact details’ to update your information.

    Call us on 0345 606 2172. Speak to an adviser 7am-11pm, 7 days a week. If you choose to call, you’ll need your 16-digit credit card number.

    Or visit a branch.

    Find your nearest branch

  • If you are moving abroad, or you need letters to be sent to more than one address, please visit your local branch to discuss your options.

    Have you moved to a new house?

    It’s important that you update your address as soon as possible:

    • To prevent communications going to your old address and into the wrong hands.
    • So you continue to receive important updates about your accounts.

    If you use our Mobile Banking app, that’s the easiest way to change your address online straight away.
    Once you’re logged in, tap the ‘Settings and info’ icon in the top-right corner of the page (the little cog), then select ‘Your personal details’ to update your information.

    Other ways to change your address

    Call us on 0345 606 2172. Speak to an adviser 7am-11pm, 7 days a week. If you choose to call, you’ll need your 16-digit credit card number.

    Write to: Lloyds Bank, Box 1, BX1 1LT

    In your letter quote reference P1COA, and include your:

    • Name and date of birth.
    • Old and new addresses.
    • Account number.
    • Phone number or email address.
    • Signature.

    Or visit a branch.

    Find your nearest branch

    Do you have multiple accounts?

    When you contact us, we’ll update your address on all of your Lloyds Banking Group accounts, including those issued by Halifax, Bank of Scotland, MBNA and Lloyds Bank Private Banking.

    If you bought an insurance policy through us, please contact your insurer separately to let them know about your new address. Your policy could be affected if you don’t.

  • For security, if you need to change your name, you’ll need to visit a branch or contact us by post.

    You may not be able to update your name online, but you can complete and print the form you’ll need.

    Using Internet bankinglog on or register to get started. From your credit card account summary, select ‘Your profile’, then ‘Change my details’, followed by ‘Change name’.

    You can also pick up a copy of this form from a Lloyds Bank branch.

    What you’ll need to provide
    We’ll need both your old and new signatures, together with original or certified copies of some documents, depending on the reason for your name change.

    We may need a combination of the following:

    • Marriage certificate/civil partnership registration document.
    • Deed Poll certificate (not available in Scotland).
    • Copy of the relevant entry in the Register of Corrections (Scotland only).
    • Statutory declaration.
      Amended birth certificate issued by Registrar General, Edinburgh (Scotland only).
    • Adoption certificate.
    • Equity card.
    • Evidence of a bestowed or hereditary title (e.g. Lord), award (e.g. MBE) or qualification (e.g. PhD). Self-purchased or adopted titles cannot be accepted.

    If you’re divorced, we’ll need:

    • Divorce papers or a Decree Absolute and a marriage, birth or Deed Poll certificate/a copy of the relevant entry in the Register of Corrections (Scotland only).

    If your civil partnership has broken down, we’ll need:

    • Dissolved civil partnership papers.

    What to do with your form and documents
    To change your name, you’ll need to:

    Visit a branch.

    Find your nearest branch

    Or, write to: Lloyds Bank, Box 1, BX1 1LT

    If you choose to write to us, because we need original or certified copies of your documents, we’d recommend sending everything recorded delivery so you can check it reaches us safely. Once we’ve processed your name change, we’ll send your documents back to you.

    Do you have multiple accounts?
    When you contact us, we’ll update your name on all of your Lloyds Banking Group accounts, including those issued by Halifax, Bank of Scotland, MBNA and Lloyds Bank Private Banking.

    If you bought an insurance policy through us, please contact your insurer separately to let them know about your new address. Your policy could be affected if you don’t.

Ways to manage your credit card

Internet Banking

Access your Lloyds Bank accounts in one place, at any time, using Internet Banking.

Simply log on or register to view statements, make payments and transfers, manage your contact details, make changes to your account and more. 

 

Log on

Register

Mobile Banking app

Access essential services on the go, as well as app-only extras including: 

  • The option to view your PIN online, rather than waiting for a reminder by post. 
  • The option to freeze your card if you’ve misplaced it, or certain transaction types if you’d like more control over how you or any additional cardholders spend. 
Once you’ve downloaded the app to your smartphone or tablet, simply log on using your Internet Banking username and password. You can also set up fingerprint or face ID on compatible devices. 
 

Prefer to speak to someone

Get in touch by phone 

You can call us on 0345 606 2172. Speak to an adviser 7am-11pm, 7 days a week.

Some essential and automated services are available 24 hours a day, 7 days a week. Other specialist services are only available within set hours. Visit our contact us page for more details. 

Visit a branch

You could also visit a local branch to make changes to your credit card account over the counter.

Find your nearest branch  

Key points on making changes to your account

Depending on the account changes you want to make, you have a few servicing options:
  • Using Internet Banking you can add or remove a cardholder, request a PIN reminder and change your credit limit, payment due date, phone numbers and the way we deliver your statements.
  • Using the Mobile Banking app you can view your PIN, freeze cards or transaction types, change your credit limit, phone numbers, address and the way we deliver your statements.
  • By calling us, you can add or remove a cardholder, request a PIN reminder, close your account and change your credit limit, payment due date, phone numbers and address.
  • By writing to us you can close your account and change your name and address. 
  • By visiting a branch you can change your name, phone numbers and address.

Where next?