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Credit cards help and guidance

We're here to help you manage your credit card. We've put some helpful guides together where you'll find helpful advise on what to do if you have any concerns about your credit card.

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Flexible, convenient borrowing

Managed properly, a credit card can be a safe and convenient way to pay for things – from a weekly shop to a summer holiday.

In this video, Zoe from Lloyds Bank explains what credit cards are and how they can be useful. Find out more in the rest of our guide to using and choosing credit cards.

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Browse our guides

Choosing a credit card

Our handy guide will take you through the basics of what credit cards are, the types of credit cards we offer and what to consider before you make a credit card application.

Read more on choosing a credit card


How to apply for a credit card

We've put together a helpful guide about applying for a credit card and what you will need to consider before you make an application.

Applying for a credit card


Rates, charges and balance transfers explained

Interest rates and credit card balance transfers explained, and how to avoid paying more than you have to.

Rates, charges and balance transfers


Credit card statements and making payments explained

Understand what your credit card statements mean and options you have to pay your credit card.

Read more on statements and payments


Shopping online

Read our helpful hints and tips on how to shop online with confidence using your credit card.

See tips for using your credit card online


Credit card payment disputes explained

There are a number of reason why you might want to dispute a credit card payment. If there's an unrecognised transaction on your credit card statement or you see an unauthorised payment, we’re here to help.

Disputing a credit card payment


Managing credit card debt

If you're starting to worry about making payments to your credit card we have a wealth of information that could help you.

Read more on managing your credit card

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Credit checks

When you apply for a credit card, the card issuer will ask a credit reference agency for your credit file to check that you can afford to pay back what you borrow on the card. This is called a credit check.

If you’ve previously had problems paying back debt – for example if you have missed mortgage payments or defaulted on a loan – this might appear on your credit file and lead to your application being refused.

If you are unsure, you can use our handy eligibility checker to see if you will be accepted for a credit card before you apply. Your credit rating will not be affected and there’s no obligation to apply for a card afterwards.

Check your eligibility

Before you apply

  • Check that you’re registered to vote. Card issuers use the electoral roll to confirm your identity
  • Make sure other accounts have your current address details. If you’ve moved house recently you’ll need to give your previous address too
  • Have important personal details to hand, especially key information such as your income, bank account details, employment details and contact phone numbers
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Credit card offers

Existing Lloyds credit card customers could benefit from promotional offers.  Here are some of the offers that we have available.

Balance transfers

Money transfers

Applying for a second credit card

Swap your existing credit card