You can apply if you:
See how likely you are to be accepted for a Lloyds Bank credit card without harming your credit score.
It's important you find a credit card that's right for you. Our guide on how to choose a credit card explains the things you'll need to consider before selecting a card.
*Second cards excludes Student Credit Card customers. Conditions apply.
Compare our cards to make sure you find the right one. We even have a card selector to help you choose.
To apply, you will need your:
You can apply for a card online, in branch and over the phone, however some balance transfer offers are available exclusively online. You’ll find out if you’re successful about halfway through the application. Applying through Internet Banking will make your application quicker and easier. The application form is designed to work on your desktop, smartphone or tablet.
When making a lending decision, these are some of the things we consider:
A balance transfer is the process of transferring a balance from one credit or store card to another. You can do this from most non-Lloyds Bank credit cards and some store cards.
Apply for a balance transfer during your application for a new credit card. Or after you have received your card, by logging in to Internet Banking, visiting your nearest branch or calling us.
Your card will arrive within seven working days and your PIN will arrive within five working days. If your card hasn't arrived within two days of your PIN, please call us on 0345 606 2172.
You'll also receive two emails:
There are a number of reasons why you may have been declined:
Think carefully about which type of credit card will suit you and take care not to make too many credit card applications, as every time you apply for a credit card, whether your application is successful or not, it’s noted on your credit file. This can make some credit card issuers wary about lending to you.
You’ll be informed by the issuer of your declined application, you’ll also be informed which credit reference agency was used. First of all you may want to find out why you were declined. The best way to do this will be by contacting the credit reference agency.
Credit reference agencies share information about people who want to borrow with lenders – such as credit card issuers. The lenders use this information to calculate your credit score and decide whether to offer you a credit card. Your credit score is based on the information you provide and what’s in your credit file.
Get a copy of your credit file from the credit reference agencies by visiting their websites – there may be a small fee for this service.
If you feel your information is incorrect or want to explain the background of specific pieces of information then contact the credit reference agencies. This is called a Notice of Correction and anyone searching your file in the future will see this and must take account of it.
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. Authorisation can be checked on the Financial Services Register at www.fca.org.uk. Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS).
Lloyds Bank plc Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Lloyds Bank Scotland plc. Registered office: Henry Duncan House, 120 George Street, Edinburgh EH2 4LH. Registered in Scotland No. SC95237.
The issue of a Credit Card depends on our assessment of your circumstances. You must be 18 or over and a UK resident to apply.
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Please note for 0800, 0844 and 0845 numbers call costs may vary dependent on your service provider.