Bank of Scotland Platinum Credit Card
How an everyday purchase credit card might work for you
Usually come with a low rate on purchases.
Could be a useful way to keep control of your everyday spends, including food shopping, fuel and some bills.
Add your card to your smartphone and digital wallets for contactless shopping.
Things to consider
- Only borrow what you can afford to pay back each month.
- Make sure the credit card limit suits your needs.
- Try to pay back what you’ve spent in full each month, so you don’t have to pay interest on what you’ve borrowed.
See if you’re eligible with One Check
One Check is our easy to use credit card eligibility checker. Answer a few questions and it will tell you which Bank of Scotland credit cards you’re eligible to apply for, plus the credit limit you could be offered. Using One Check won’t affect your credit score.
- One simple form to complete in about five minutes.
- One list of cards you’re likely to be approved for.
- One Check helps you find the right credit card for you.
So, are you looking For more information about the application process of the card? Don’t worry, we’re here to tell everything because honestly, the application is a very simple thing. Still, it is not really the application that worries people mostly.
What worries more people is the requirements that you need to meet in order to get the credit card. That is because it can be so different from credit card to credit card, which makes it everything even more unpredictable.
So if you want more information about the application process, what you need and everything that you need to know, we recommend that you keep reading since down below we’re going to start with the requirements.
What are the best cards in the UK?
What are the requirements needed to apply?
Every credit card is going to have a list of requirements needed so that the application process can even proceed. Which is why down below we bring you a list of the specific requirements that you need to meet to get the card.
- You’re a UK resident, aged 18 or over, with a regular annual income.
- You’re free of County Court Judgements (CCJs), Individual Voluntary Agreements (IVAs) or bankruptcies.
- You’re not unemployed or a student.
- You’ve not been declined for a Bank of Scotland credit card within the last 30 days.
What documents are needed to request the Bank of Scotland Platinum Credit Card
And just like requirements you need documents and down below will bring you a list.
- Proof of identity,
- Proof of residency.
What are the biggest uses of this credit card?
Do you know what are the biggest uses of credit cards? Where they are basically the main benefits that people are going to enjoy in the card. Down below, we’ll bring you everything that you need to know.
Nice limit
Of course, the main reason that you are actually going to enjoy a lot about this credit card is going to be the limit. Now, the limit is not really what people might expect since it’s not really defined. It’s maybe all over the place. It doesn’t mean it’s bad.
Take advantage of this opportunity and apply for this amazing card now!
It means that it doesn’t really have a maximum amount, which means that if you have a really good credit score, you could have really big amounts of credit limit.
Purchases
Practices are another subject that people usually forget when applying for a card since they think it is the basic benefits. But no, sometimes you can get extra things that are really nice. For an example, during purchases with this credit card.
For the first six months, while having the credit card, you’ll have 0% fees in general. Now, in the next 56 days after having the credit card, you’ll have 0% interest on purchases. Even more, this will be available at the same time, so it’s just double benefit.
Daily utilities
Everyone does their tasks. Be to go to the market or just your every day store. Any credit card is going to help you with the purchase type of daily. For an example, if you want to go to the market or if you need to buy something for your house.
The thing is that the premise of this card was created to help you in every single situation that you might have, which is why it is such an important one.
Annual fee free
And finally, we have the annual fee, or actually the lack of. Having an annual fee is really annoying for most people. We personally don’t really enjoy it too. That doesn’t mean it is awful, it just means that it is annoying.
The best thing about this credit card is that you don’t have to worry about it since the annual fee is completely free, meaning that you don’t have to pay a single penny during the whole stay with your card.
Our advice for those who are going to apply for the Bank of Scotland Platinum Credit Card
Now, is there anything that we wish to tell you about the park? Well, there’s nothing negative that we want to tell you, but we do want to tell you that the card does have some quirks, which is why we are here to give you a few advices.
We would like you to make your credit score higher. This is a credit card that requires a credit score kind of good. It doesn’t need to be excellent, but the higher, the better. Which is why if you apply for it with a bad score and are denied, it can even make your score low. We want you to know that there is no rush in applying it.
If you know that you won’t be able to get a credit card at first try, it is always good for you to wait a few months, maybe a year, try to get your credit score higher, and then finally you can get your credit card.
Weighing advantages and disadvantages – Is it worth it?
Completely worth it. It does have some negative sides, but still, we believe it is worth it. You can find that you need to have a good credit score, which can be really complicated for some people. The other negative side is that you have a 5% punishment if you withdraw money.
Otherwise, the card is completely good, you’ll have to know when you will feel. No interest, no fees. It’s basically a really good card if you are going to make purchases. Which is something that everyone does every day.
Request your Bank of Scotland Platinum Credit Card on the official website once and for all!
It’s finally time to apply. Did you know that if you keep reading, you will find the button down below. That’s right, down below we have a button just for you to click and go to the official page of the credit card and believers. It is an important step for the application process. Because going there, you’re going to finally see the credit card for yourself on the official page. So let’s take a look.
