The Co-operative Bank plc
The Co-operative Bank's Credit Card Services department offers a range of services accessible via phone. Customers can apply for a credit card, make payments, and receive general support for credit card management. Applications require eligibility verification and a credit check, with decisions typically made within five business days. Payments can be processed through various methods, including branch visits and online banking. Support is available Monday to Friday from 08:00 to 18:00 and Saturday from 09:00 to 13:00. Callers may experience longer wait times during peak hours, so it's advisable to call early in the day or during off-peak periods.
Updated 15 Dec 2025
Expected outcomes
- Apply for credit card
- Make credit card payment
- Manage credit card issues
- Understand card features
- Troubleshoot card problems
Call preparation
Assemble everything before you dial. These requirements are verified by our call analysts and updated as organizations change their scripts.
- Credit card number
- Personal details
- Annual income
- Employment status
- Payment method details
- Account verification information
Known issues
Customers occasionally experience long wait times, especially during peak hours. To avoid this, try calling early in the day or during off-peak periods. Some applicants face confusion regarding credit card application rejections. It's recommended to review the eligibility criteria and check your credit score before applying. The bank provides detailed criteria to help applicants understand potential reasons for rejection and its impact on their credit score.
