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To close your credit card account
Things to know before you close your account
Once your credit card is closed, we can’t reopen your account. You and any additional cardholder can no longer make transactions.
- Until you’ve paid off everything you owe, your agreement continues with us.
- Once your balance is paid in full, your account will then show as closed with the credit reference agencies. This usually takes around 60 days from when your balance reaches zero.
- If you have another Bank of Scotland credit card, you must wait four months before you can apply for a second card. You may have to wait longer if there is a balance outstanding on the closed card.
- If you receive online statements for this account, make sure you save or print copies beforehand. You won’t be able to access these, once your account details are no longer visible online.
How to do it
We'll take it step by step.
- Log in and find the credit card you want to close.
- Select the More menu and scroll to Manage Account.
- Select Close credit card to begin.
Getting started in our app
A look at the details
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- You’ll need to keep making your payments until it’s paid off.
- If a Direct Debit is in place on your closed account, we’ll still collect any payments that are due. If you do have a Direct Debit, please do not cancel it.
- If you want to pay your full outstanding balance, there may be residual interest.
- We won’t increase your interest rates on any outstanding balance, so you can repay at your existing rates.
- If the account is in credit, you can message us in the app or call us for a refund.
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- If you’re registered for Internet Banking, you’ll be able to view your account details for up to four months. This could be longer if there is a balance on the account.
- You’ll need to destroy your credit cards and any PINs, including those belonging to other cardholders.
- You may have regular payments set up on your card. If so, please contact the company to arrange for them to be paid from another card or account.
- If you’ve added your card to a mobile device - like a smartphone or online wallet, remember to remove it.