Using your credit card and managing your account

Using your card
You can use your card in any shop or cash machine at home or abroad, that displays the MasterCard or Visa symbol, depending on your type of card.

Cash withdrawals and credit card cheques may be charged at a different interest rate to the purchase interest rate.

Cash advances are subject to a handling fee of 3% (minimum £3). Any transactions you make overseas will also incur a foreign currency exchange fee of 2.95%.

Some of our products also have fees on balance transfers and cheques. Please see your Terms & Conditions or monthly statements for more details.

Monthly payments
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 Card Services, Pitreavie Business Park, Dunfermline KY99 4BS

For more details, see the reverse of your monthly statement.

Change your statement payment due date
If you want to change the date your monthly credit card payments are due, perhaps to coincide with your pay day, just call 08457 28 38 48* anytime and we'll change the date for you.

There is a £5 fee for changing the date more than twice in any 6 month period.

Credit card statement enquiries
If you have a query about a particular transaction on your statement, call us on 08457 28 38 48* anytime.

Cancelling lost or stolen credit card cheques
If you lose or have your credit card cheques stolen, you should call us immediately on
08457 20 30 99* anytime and we will then cancel them.

There is no charge for this service.

Lost, stolen and damaged credit cards
If you lose or have your credit card stolen, you should call us immediately on 08457 20 30 99* anytime. We will then cancel the card and arrange for a replacement to be sent to you.

If your card is damaged, you can arrange for a replacement to be issued by calling
08457 20 30 99* anytime.

Your credit card PIN
With the introduction of Chip and PIN, you will have to key your PIN number when you make purchases at Chip and PIN participating retailers. If you enter your PIN incorrectly three times, then your PIN and card will become locked.

If you've forgotten your PIN, just call 08457 28 38 48* anytime, and we'll send you a reminder by post.

You can change or unlock your credit card PIN number at any Halifax cash machine. Just follow the on-screen instructions.

Changing your address
If you're registered for our online service, and you've recently moved home and want to change the address we hold for your account, then credit cardholders can do this quickly and easily online. Just view your credit card then select 'Change details' from the left hand screen menu.

If you're not registered for our online service, complete and return the form on the 'Change of address' page in our Help Centre.

Changing the name on your account
To change the name on your credit card account you'll need to visit your nearest branch, with evidence of the name change, for example Marriage Certificate, Civil Partnership Certificate, Deed Poll, or other relevant legal document.

*Maximum 4p per minute from BT landlines. Calls from other networks may vary.