Your Credit Score
Thinking about applying for credit? Check Your Credit Score for free, with no impact on your credit file.
At Lloyds Bank you’ll find a range of credit cards to suit most borrowing needs.
But how do you apply for a credit card with us, and what things should you consider? This page should help answer all of those important questions.
We’re always pleased to issue a new Lloyds Bank credit card, helping you with the next step on your journey.
When an application is approved, your PIN will be delivered by post within 5 working days.
Your new card will follow, arriving within 7 working days.
We send these items separately for security. If your card doesn’t arrive within 2 days of your PIN being delivered, please call us on 0345 606 2172. Speak to an adviser 24/7. Not all Telephone Banking services are available 24 hours a day, seven days a week. Please speak to an advisor for more information.
In the meantime, you’ll receive two emails:
Although it’s disappointing to be told you’re not eligible, the good thing about One Check and other eligibility tools is, to make an eligibility decision we’ll only complete a 'quotation' or 'soft search'.
This won’t affect your credit score.
We will complete a full credit search if you submit a full credit application. If you’re declined, this will affect your credit score.
It’s important to know that multiple applications in a short period can negatively impact your credit score, which may further discourage lenders from offering you credit.