Other ways to pay your credit card

How to use phone, branch and cheque to make payments.

  • Pay in a branch

    You can make payments by cash or cheque in branch. Just remember to bring your credit card with you.

    Find a branch

    At a Lloyds Bank branch, you can also deposit a cheque using the Cashpoint®. Simply insert your card and PIN as usual, look for the option to deposit a cheque and follow the on-screen instructions.

  • Pay by posting a cheque

    Finally, you can send us a cheque by post, but please don’t send cash, just in case it gets lost.

    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
    S98 1GE

    Keep in mind...

    • If you’re posting a cheque, please allow at least 7 working days for delivery and for it reach your Lloyds Bank credit card account. 
    • It’s important to know, we don’t accept cheques made out for a date in the future (post-dated). These are usually returned, which could result in a missed payment and additional fees.


Pay over the phone

Call us on 0345 606 2172. You can speak to an adviser 8am – 8pm, seven days a week.

Not all Telephone Banking services are available 24 hours a day, seven days a week.

If you choose to call, you’ll need your 16-digit credit card number and your debit card details.


Keep in mind...

  • If you have a Direct Debit set up and are making additional payments to your account during the month we may still collect your Direct Debit in full.

Key points about credit card payments

  • You can make payments to your credit card account at any time, but you need to pay at least the minimum amount shown on your statement each month. 
  • If you can't pay the whole statement balance, it's a good idea to pay as much as you can, as it may help to keep any interest costs down.
  • If you only make the minimum payment each month, it'll take longer and cost you more to pay off your balance.
  • If you miss or make a late payment, you are likely to be charged a late fee and damage your credit rating. You could also lose any promotional rates on your credit card and have to pay the standard interest rate instead.
  • Set up a regular Direct Debit payment and we’ll automatically claim your selected payment amount when it’s due. 
  • If a Direct Debit isn’t taken for 37 months, it will become inactive, and your bank or building society will remove the details from their systems. If this happens, you’ll need to set up a new one.
  • You can also make payments, instead or in addition to a Direct Debit, from a bank account, with a debit card, by cheque or with cash at a branch. 
  • If you choose to make one-off payments, just make sure that the method you use will get your payment to us on time. 
  • You can request to change your payment due date to better suit your needs, e.g. if you usually receive your salary later than your due date falls. The fastest way to do this is through Internet Banking on a laptop or desktop computer. From your credit card account summary, select ‘More actions’, then ‘Paying your credit card’, then 'Request payment due date change'.

Other online services

Banking online can save you time. Find out about the things you can do on your phone or in your internet browser.