You control how you pay so you’ll have one less thing to sort out each month. There are 3 ways to pay:
Simply log on to Internet Banking to set up a Direct Debit and click on the 'Pay credit card' button.
You can make a one-off payment online from your Lloyds Bank current account or with a debit card from another UK bank. Log on to Internet Banking and select the ‘Pay credit card’ button.
You can also make a transfer from your Lloyds account using the mobile banking app. Log on and select ‘Make a Payment’ from the menu button next to your card.
All payments will show on your statement by the next working day.
There are a couple of things that you need to remember when making payments:
You can change the date of your monthly credit card payment to one that is more convenient for you.
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 606 2172 (Mon-Sun, 7am - 11pm).
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, 7am - 11pm).
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|
|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:
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 (7am - 11pm, 7 days a week)
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:
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.
You no longer have to tell us when you are travelling abroad. Our fraud and security systems are always on the lookout for suspicious activity on your accounts meaning you can relax when you are away making going abroad stress free.