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.