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There are a number of ways to pay your credit card. This page details each of the options available to you.
If you're not registered for Internet Banking, you can visit us in branch or call us. You can also pay by post.
You’ll need your 16-digit credit card number if you call us.
If you miss a payment, in addition to fees and charges, you could lose any promotional rates which apply to your account. If that happens, your standard account interest rates and fees will apply. Missing a payment could also affect your credit score and your ability to borrow in future, so it’s important to keep track and manage your account well.
It’s important that you make at least the minimum payment shown on your statement each month, and that it reaches your account by the due date.
If you’re experiencing difficulties making your credit card payments, please let us know so we can help. You’ll find information and support on our money worries page.
You may be aware that different rates of interest apply to portions of your balance, varying based on transaction type, and whether the standard or a promotional rate applies. To check the rates that apply to your account, refer to your latest credit card statement.
To help you to keep your interest costs to a minimum, payments you make will be allocated to balances with the highest interest rates first, and to those which appear on your monthly statement, before those which will feature on future statements.
If you have a balance at a promotional rate, it’s useful to remember that payments will apply to any standard rate balances first, even if the promotional period is nearly over.
If you have more than one balance with the same interest rate, payments will be allocated in this order:
Transactions and related fees or charges will be repaid in date order, starting with the oldest first.
When setting up a Direct Debit, you can choose to make; the minimum payment, clear the full balance or set a fixed amount.
You can make additional payments at any time to reduce your balance and any interest costs, but it’s important to understand how interest is charged and when it applies, especially if you’re planning to pay off your balance in full.
Because interest is calculated daily and charged to your credit card statement when it’s produced each month, you may need to pay an amount of ‘residual interest’. It’s a little complicated, so we’ve created a short guide to explain paying your credit card balance in full.
You can send us a cheque by post. Please don’t send cash.
Make your cheque out to Lloyds Bank and remember to write your name and credit card number on the back. Send your completed cheque to:
Lloyds Card Services
PO BOX 109
Sheffield
S98 1GE
If you’re posting a cheque, please allow at least 7 working days for it to reach your Lloyds Bank credit card account.
We don’t accept cheques made out for a date in the future (post-dated). These are usually returned. This can result in a missed payment and fees.