Bank of Scotland
The Bank of Scotland was founded all the way back in 1695, and is the second oldest bank in the United Kingdom. The bank has long been involved in a number of mergers and acquisitions. More recently, in 2001 HBOS (Halifax Bank of Scotland) was formed through the merging of the Bank of Scotland and Halifax. In 2008, HBOS was taken over by Lloyds TSB. The Bank of Scotland's Scottish Head Office remains in Edinburgh.
All of its UK branches are in the Scotland, although it does have an international presence; and anyone over the age of 18 who lives in the United Kingdom can apply for one of the different cards available. It is important to note that the Bank of Scotland is not the same as the Royal Bank of Scotland (RBS).
They offers a wide range of services in Personal Banking, including current accounts, personal loans, mortgages, insurance, savings, investments and share dealing, as well as credit cards. It also provides services in Wealth Management, Business and Corporate Markets.
Bank of Scotland credit cards have great introductory offers. They are good overall cards that have a good balance transfer deal and good 0% on purchases deals. The Bank of Scotland issued cards have an average interest rate. Some of their best credit card deals are only exclusively available online and not available in their branches, although you can apply for many of the cards online. Make sure you compare credit cards from Bank of Scotland to seek out the best deals.
They have exclusive credit card deals for their current account holders. To obtain a Bank of Scotland credit card, you will generally have to have an average to good credit rating. The individual requirements are completely dependent on the card you're applying for. There are a wide range of card designs and colours available to suit your individual taste.
There are many additional services offered with most of the Bank of Scotland credit cards. For example, cards are replaced if they are lost, there is cover against online fraud when making internet purchases, there is currently no annual fee, most cards can be managed online and the Bank of Scotland can offers "around the clock" service.
A student credit card is also available, although the services offered are very different to the services offered on the normal cards. The Bank of Scotland also offers something quite unique: charity cards. Charity cards mean that a small donation is made to a UK charity on most of the purchases you make.
They takes corporate responsibility very seriously. They are already one of the largest community investors in the UK, and work to help improve the experience for their colleagues and their customers. They are also determined to help the community and minimise their impact on climate change.