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Mastercard® is a registered trademark, and the circles design is a trademark of MastercardInternational Incorporated. After each introductory period ends you will be charged at the appropriate standard rate. Full details will be sent with your card. Terms and conditions apply to all Lloyds Bank credit cards benefits. You must be 18 or over and a UK resident to apply. How much we lend and the issue of a credit card depends on an assessment of your circumstances. Please speak to an adviser for more information. Not all Telephone Banking services are available 24 hours a day, 7 days a week. Calls from abroad are charged according to the telephone service provider’s published tariff. We may monitor or record telephone calls to check out your instructions correctly and to help us improve the quality of our service. 2065 Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278.Visit the Lending Standards Board website. Registered Office: 25 Gresham Street, London EC2V 7HN. This method for creating credit card numbers is used internationally, and was invented by IBM engineer Hans Peter Luhn in 1954. This helps us verify that the full credit card number has been provided, and in the right order, anytime you make a purchase or payment. The first 6 digits help to identify the card issuer, known as an Issue Identifier Number or ‘IIN’.Īll numbers following that relate specifically to your account, excluding the last one which is known as a ‘check digit’.

American Express numbers start with a 3.

Mastercard numbers start with a 2 or 5.

Your credit card number is unique to you and includes information used to identify your account, card and who it’s issued by. More formally, it’s known as a Permanent Account Number, or ‘PAN’.

This is often referred to as the ‘long number’ on the front of your credit card, which is usually 16 digits, but can be up to 19 digits in some instances.

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