Bank of Scotland Credit Card – Learn How to Apply Online

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Are you shuffling between several cards for shopping, food bills, and fuel? The chances are that keeping track of all your expenses is a tough job at the end of every month. That’s why it’s best to choose a single credit card that can cover all your expenses.

Bank of Scotland has introduced its everyday credit card that makes it convenient for you to budget your expenditures. It comes with an affordable interest rate and flexibility to manage your expenses all from one place.

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The card has full fraud protection enabled which safeguards you against any unauthorized transaction. You can also save big time on certain products and services that you buy regularly. Below, we will discuss more about this credit card and its features.

Bank of Scotland Credit Card - Learn How to Apply Online

Features of the Bank of Scotland Credit Card 

The Bank of Scotland credit card offers several perks to support your budget and help you shop smart. The everyday spending card comes with a deferred 0% interest rate for up to 56 days after the purchase. This means no interest is applicable to the amount spent if you settle the credit in full by the due date.

Moreover, the credit purchases between £100 and £30,000 are covered by section 75 of the Consumer Credit Act. You’ll also get bumper deals and discounts from certain vendors on everyday utility items. What’s more, the card is accepted by many international locations so you can shop while travelling easily.

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How to Apply for the Card

You can apply for the Bank of Scotland credit card via the following mediums.

Online

First, log on to the official Bank of Scotland website. After that, take the eligibility test to see which card and limit you’re eligible for. The bank will provide you with a list of options available to you. You can apply to one and the information you entered in the eligibility test will be used for the process.

By Phone 

You can get in touch with a credit officer at 0800 328 5984. The telephone lines are open from 7 am – 11 pm, seven days a week.

By Visiting a Branch

You can visit a nearby Bank of Scotland branch with your documents. The bank will let you know your eligibility status. Once approved, you may initiate the process the same day.

Once the bank approves your application, you will receive the card at your registered address within 7 days.

Eligibility Criteria

In order to be eligible for the everyday spending card, you must meed the following conditions. 

  1. Be a permanent resident of the United Kingdom.
  2. Must be 18 years or older with a regular annual income.
  3. Free of bankruptcies, County Court Judgements, or Individual Voluntary Agreements (IVAs).
  4. Must not be unemployed or a student.
  5. Must not have been declined a credit card from the bank within the last 30 days.

The following details will be required while filling out the application form.

  1. Your current address with proof (and previous address if you’ve changed residence in the last three years).
  2. Personal details like name, phone, email address, etc.
  3. Your annual income before tax.
  4. Main bank account details (statement, account history, etc) and sort code.
  5. Details of any non-Bank of Scotland card (if you want to make a balance transfer).

Fees and Interest Rate

The interest and APR vary with your income, card limit, and credit history. The average representative APR is around 9.9% per annum. The processing fee is charged as a percentage of every transaction and is included in the APR. In addition, you’ll be charged £12 per day as a late payment fee after the scheduled date every month.

Contact Information

To contact the bank directly, you can call 0345 964 5645. Alternatively, the bank’s main address can be found at Bank of Scotland, The Mound, Edinburgh EH1 1YZ.

Bank of Scotland Credit Card - Learn How to Apply Online

Conclusion

A Bank of Scotland credit card is one of the best to budget your everyday expenses. By using one card for all daily transactions, you can manage your budget more efficiently. With affordable interest and convenient repayment times, you won’t need instant cash to cover all of your expenses.

Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.

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