Still don’t have a credit card yet? If so, there’s a big chance you’re planning to apply for one soon. Whether you’re looking for a card that will assist you in balance transfers, everyday spending, or large purchases, checking out the Bank of Scotland’s list of credit card deals can lead you to your preferred option.
The bank’s Classic Credit Card, especially, boasts of its broad range of features that can match almost all borrowers from all walks of life. To apply, you’ll only need to satisfy a few conditions and complete your application online. Interested to know more?
Here, we have compiled everything you need to know about the Bank of Scotland Credit Card. Read on to know more about its features, eligibility requirements, fees and charges, as well as how you can apply. Check them out below!
Bank of Scotland Credit Card – Features
Created to assist cardholders in their day-to-day shopping needs, the Bank of Scotland Classic Credit Card boasts of its long period of 0% interest. Specifically, using the card, you’ll get to enjoy up to 6 months of zero interest on purchases and 16 months interest-free period on balance transfers too.
As if that wasn’t enough yet, the card also comes with a £0 annual fee, thereby allowing you more chances to cut costs on your yearly credit fees.
Applying for the card is also easy. While it requires a good credit rating, its minimum credit score requirement is relatively lower than most other credit cards in the market.
How to Apply
Luckily, as stated above, applying for the Bank of Scotland Classic Credit Card can be done in a few easy steps. To do so, you’ll first need to ensure that you are eligible for the card. In particular, the bank requires that you must be a UK resident, at least 18 years of age, have a regular annual income, be free of County Court Judgements (CCJs), Individual Voluntary Agreements (IVAs) or bankruptcies, and have not been declined for a Bank of Scotland credit card within the last 30 days.
Once you satisfy all of these, you can proceed by visiting the Bank of Scotland’s official site. From the Home Page, select “Credit Cards” in the options provided, and click “Check your eligibility.” Take note that instead of displaying all of the credit cards available in their portfolio, the bank prefers to show you which ones you’re eligible to apply for, depending on the details you’ll provide on its eligibility checker.
Once you’ve completed the form, submit it, and wait for the bank to list the cards you’re likely to be approved for. Look for the Bank of Scotland Classic Credit Card from the list and proceed to application.
Fees and Charges
- Annual Fee: £0
- Representative APR: 27.9%
- Minimum monthly payment: 2.5% or £5 (whichever is greater)
- Cash advance: 5% (min. £0)
- Late payment fee: £12
- Exceeding limit fee: £0
Bank Contact Details
To know more about the Bank of Scotland Classic Credit Card, you may contact the bank at 0800 328 5984. You may also visit them at their registered office located at The Mound, Edinburgh EH1 1YZ.
Conclusion
Impressed about the Bank of Scotland Classic Credit Card? If you think this is the ideal financing option for you, don’t hesitate to visit the bank’s official site and reach out to their team as early as today!
Note: There are risks involved when applying for and using a credit card. Please see the bank’s Terms and Conditions page for more information.