Credit Cards

What can I do on this page?

• See your current balance, how much you have available to spend and your credit limit
• Query a transaction
• Transfer your balance to or from another credit card
• Order a replacement card
• Report a card lost or stolen

What is my credit limit?

This is the total agreed amount of credit available on your credit card.

It does not necessarily reflect the amount you have available to spend.

What is my current balance?

Your current balance is the amount of money you owe on your credit card. If this is shown as a negative, this means you have overpaid. You may have a negative credit card balance if you make a payment to your card which is greater than your outstanding balance or if a retailer makes a refund to your card which is greater than your outstanding balance.

Positive Credit Card Balances are not covered by the FSCS Deposit Guarantee Scheme. For more information please visit www.FSCS.org.uk

Adding a cardholder

What is an additional cardholder?

This is someone you share your credit card with. Both of you have a card and you share the credit limit.

However, unlike with joint current accounts where both account holders are liable, the primary credit cardholder is solely responsible for the debt.

So as the main cardholder, you will be responsible for any spending made by additional cardholders.

You'll need the permission of the additional cardholder to complete this application

How do I add a cardholder?

You can apply to add an additional cardholder following these steps:

1. Print off an additional cardholder application form (credit card mandate form)
2. Check that the additional cardholder meets our eligibility criteria. These are listed on the application form.
3. Enter the additional cardholder’s details.
4. Sign and return the application to:

The Co-operative Bank, FREEPOST WN5061, PO Box 150, Skelmersdale, WN8 6GG

Once received, we’ll process your additional cardholder application and send you a letter to let you know if the application has been accepted. If accepted, the additional cardholder will receive their card within 3-5 working days.

I need to query a transaction on my credit card, what should I do?

You should call us immediately on 0345 600 6000, or +44 345 600 6000 if calling from outside the UK (Call Charges), if you suspect fraud or spot a transaction on your account that you don’t recognise.

To help us deal with your query quickly, please note down the date, time, amount and recipient of the transaction.

We'll check the details with you and provide as much information as possible about the transaction. If you still don’t recognise the payment, it may be necessary to temporarily  limit your access to your account while we investigate further.