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Frequently asked questions
What option should I choose on marital status if I'm a civil partner?
Is there an annual membership fee for our cards?
When will I be able to apply online?
What is the difference between MasterCard and Visa?
What is Credit Card Repayments Cover?
What can I use my convenience cheques for?
When will my introductory period end?
How long does it take to make a balance transfer?
How can I make a payment on a Halifax Credit Card account?
Can I make payments by Direct Debit?
Do you accept Switch for payments?
Can I amend the date on which my payments are due?
When can I apply for a credit limit increase?
How do I update my name or address details?
What is the minimum amount I should pay?
What rate of interest am I currently paying?
How do I query an entry on my statement?
What are your balance transfer rates and charges?
Who can apply?
Halifax credit cards are only available to residents of the UK who also have a UK bank account. You must be at least 18 years of age to apply.
What option should I choose on marital status if I'm a civil partner?
You can select a marital status of either single or married depending on your preference
Is there an annual membership fee for our cards?
No, we don't charge an annual fee.
When will I be able to apply online?
You can apply for most of our cards now. Just click the Apply Now link on the card page that interests you.
What is the difference between MasterCard and Visa?
Both cards are widely accepted worldwide in retail outlets and cash machines. In certain areas acceptance levels may vary. If you would like further information, please call 08456 00 10 30.
What is Credit Card Repayments Cover?
Our repayments cover gives you peace of mind if you cannot make your credit card repayments due to disability (accident & sickness), unemployment or hospitalisation. It could also pay off any outstanding balance in the event you become a full-time carer, if you are diagnosed with a critical illness or, in the worst case, if you die.
For further information and to add this benefit to your Halifax Credit Card account, call us on 08457 28 38 48. Credit Card Repayments Cover costs just 78p per £100 of your statement balance.
What can I use my convenience cheques for?
When you open a Halifax Credit Card account you may be sent a book of convenience cheques that you can use to pay any utility bills, catalogues, other lenders, or make payable into your own high street bank account. There are no handling fees charged for using cheques. For details of the interest charges applicable to cheques please refer to your Terms and Conditions.
When will my introductory period end?
Your introductory rate commences on the date that your Halifax Credit Card account is opened. The length of your introductory rate depends on the card you have. Please see the conditions for your card for the length of the introductory period. Introductory rates do not apply to cards which offer a flat rate.
How long does it take to make a balance transfer?
Simply call us on 08456 00 10 30, give us the balance transfer details (amount, account number and issuer) and we will take care of everything for you. The transfer should take no more than ten working days.
How can I make a payment on a Halifax credit card account?
You can make payments in one of four easy ways:
1. Direct Debit
2. Cheque and debit slip
3. Telephone banking
4. Online using a debit card
Can I make payments by Direct Debit?
Yes, call 08456 00 10 30 and request a Direct Debit mandate.
Do you accept Switch for payments?
We offer an online payment service to users of our Card member Service Online. Currently, payments online may be made using cards with the Switch or Visa Debit logos.
Can I amend the date on which my payments are due?
You may want to change your payment date to coincide with your pay day. If so, just call 08456 00 10 30 and we'll arrange it for you.
When can I apply for a credit limit increase?
In order to help us to make a sound decision we require at least six months payment history on your account. We would advise that you allow your account to run with Halifax Card Services for a minimum of six months before you apply for an increase to the credit limit available on your account.
Can I choose my own PIN?
Yes, you can choose your own PIN at any Halifax or Bank of Scotland ATM.
How do I update my name or address details?
To change the name or address details we hold for your account, complete and return our 'change your details' form section.
Alternatively visit your local branch.
What is the minimum amount I should pay?
The minimum monthly payment you must make will be shown on your statement, including the date your payment must reach us by.
You can make your payments by:
• Bill payment from our online banking service. For more information see our online demo
• Direct debit
• In branch at the counter
• Halifax cash machine (subject to initial set-up at the branch counter)
• Posting a cheque with your statement giro slip to Halifax (Bank of Scotland) Card Services, Pitreavie Business Park, Dunfermline KY99 4BS.
For more details, see the reverse of your monthly statement.
What rate of interest am I currently paying?
The current interest rate for your existing credit card is shown on your monthly statement.
Alternatively you can call us for the information on 08457 28 38 48. Lines open 8am to 8pm Monday to Friday, 8am to 5pm weekends.
How do I query an entry on my statement?
If you have a query about a particular transaction on your statement, call us on 08457 28 38 48. Lines open 8am to 8pm Monday to Friday, 8am to 5pm weekends.
What are your balance transfer rates and charges?
To transfer a balance to your Halifax credit card from another Card provider, or for information about our balance transfer rates, call us on 08457 28 38 48. Lines open 8am to 8pm Monday to Friday, 8am to 5pm weekends.
Give us the transfer details (amount, account number and card issuer) and we'll take care of the rest. The transfer should take no more than ten working days.
Only 90% of your Credit Limit, subject to available credit limit, can be transferred to your card. A handling fee may apply – please see your Terms and Conditions, or call the number above.
Balance transfers can be made from most credit and some store cards, excluding other Halifax or Bank of Scotland products
