If you are coming to the end of your mortgage, credit card or loan payment holiday, we will contact you before it ends, there is no need to call us. You can use our coronavirus support tool to find the right solution for your needs and confirm what you would like to do in a few simple steps.

 

Ways to pay your credit card bill

You’ll find your credit card balance on your monthly statement. You can either pay the full balance or part of it, but you must make at least the minimum payment shown on the statement. It’s always better to pay more because the quicker you pay off your balance the less interest you’re likely to be charged.

There are a number of ways to pay your bill – find the one that suits you so you never miss a payment.

  • For one less thing to worry about each month, we recommend you set up a Direct Debit to automatically pay your credit card account by the due date.

    Choose from three options:

    • Full payment: clears the total balance on your monthly statement.
    • Minimum payment: collects the minimum payment on your monthly statement. If you only make a minimum payment every month, it will take you longer to pay off your balance. 
    • Fixed amount or percentage: pays a fixed amount or percentage of your balance each month. We’ll always collect at least the minimum payment.

    To set up a Direct Debit, log on to or register for internet banking and select the ‘Pay credit card’ button. This service isn’t available on mobile at the moment.

    Or call 0345 606 2172 (Mon-Sun, 7am - 11pm).

One off Payments

If you want to make one-off payments, you’ll need to remember to do this every month. Make sure there’s enough time for the payment to reach your account by the due date (allow extra time over bank holidays). If you’ve got a Direct Debit in place, any one-off payments you make will be taken on top of your monthly Direct Debit payment.

What happens if I miss a payment?

It’s important that you make at least the minimum payment on your credit card bill every month and that it reaches your account by the due date.

If you miss a payment, you may be charged a late payment fee. A missed payment may also affect your credit score and your chance of being able to borrow money in future. For advice on how to stay in control of your card, read our top tips.

If you’re having trouble making your monthly payments, we may be able to help you. Call us on 0345 606 2172 (Mon-Sun, 7am - 11pm) or visit our Money Worries page.

Can I change my payment due date?

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

Important legal information

Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278.