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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 can change your payment due date to better suit your needs. For example, if you usually receive your salary later than your due date falls.
The fastest way to do this is through our Mobile Banking app or Internet Banking on a laptop or desktop computer.
Just be aware, your change may apply to a future payment, rather than the next one, depending on when you make your request.
Different rates of interest could apply to different parts of your balance, and whether the standard variable rate or a promotional rate applies.
What's your standard variable rate?
Your standard variable rate is the rate of interest you pay when you have no promotional offers in place. It’s also the rate you’d go back to paying after a promotional rate ends. You can find your current standard variable rates on your monthly statement.
Find out more about interest rates
What's a promotional rate?
Promotional rates are offered for a fixed period of time. For example, a 0% offer rate or a rate lower than your standard interest rate.
Find out more about promotional interest rates
You can check the rates that apply to your account balance on your latest credit card statement. You can view your latest statement using Internet Banking, the Mobile Banking app, or on your latest printed statement if you receive them.
When you make a payment, we’ll pay off what you owe in this order:
Please note: If you’re in persistent debt, we may apply your payments differently.
Why do we pay off higher rate balances first?
To help reduce the amount of interest you’ll pay overall, we’ll pay off balances on your current statement with a higher rate of interest first. Even if you have a lower rate promotional offer that’s coming to an end soon.
What about different balance types with the same interest rate?
If you have more than one balance type, with the same interest rate, we'll pay off what you owe in this order:
What about multiple offers of the same interest rate and the same balance type?
Multiple offers of the same interest rate and the same balance type will be paid off in the order you took them out, not the order in which the offers will end.
So, it’s always worth checking the ‘Breakdown of your balance’ section on your monthly statement to make sure you know which balances your payments will be going towards.
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.