Existing Customers.

Using your credit card

Let us know before you go

Are you planning to go abroad soon? Don't forget to tell us. We always look out for unusual activity on your credit cards, so let us know your travel plans and we'll expect to see international spending on your account.

It only takes a few minutes to add your travel details, and will help make more of your card transactions hassle free while you're away.

If you experience any difficulty using your credit card, call us on +44 1733 573 189 (Mon-Sun, 24 hours).

You can do this by clicking on the ‘Going abroad? Tell us’ link located under the 'Your account tools' menu on 'My accounts'.

Sign in to Online Banking

Or find out how to register for Online Banking.

Alternatively call us on 0345 944 4555 (Mon-Sun, 24 hours) or visit your local branch.

Remember to ensure your contact numbers are up to date. You can do this either online over the phone or in branch.

See more information about using your cards abroad.


Credit card services available online

Manage your credit card online and you'll have access to a range of online card services:

  • View your last statement and balance
  • View any recent transactions
  • Pay your monthly bills online if you have a bank account with us
  • Balance transfers from most credit and some store cards, excluding other Halifax products.

To make use of these services, you'll need to register for our online service. If you’re already registered for the online service, your account will be available to view on ’My accounts’.


Balance transfers

You can call us on 0345 944 4555, give us the transfer details (amount, account number and card issuer) and we'll take care of the rest. After approving your request we will make arrangements with your other card issuer(s). Once these arrangements are complete and we have carried out the necessary security and fraud checks, the money will normally arrive by the next working day. We will only transfer balances within your credit limit, so please check your available credit before transferring a balance.
Balance transfers can be made from most credit and some store cards, excluding other Halifax products. We usually charge a fee for making balance transfers. The amount of the fee will be shown in your Credit Card conditions.


Your credit card PIN

If you've forgotten your PIN, you can request a PIN reminder which will be sent through the post. Simply contact us on 0345 944 4555 (Mon-Sun, 24 hours) and we'll send your PIN reminder to you by post in 3-5 working days.

Please note that for security purposes, we cannot provide your PIN details over the phone.

You can change or unlock your credit card PIN at any cash machine that displays the Link symbol. You cannot change or unlock your PIN abroad.


Closing your account

To close your account please call us on 08708 50 02 43 (8am – 9pm Mon – Fri & 9am – 5pm Sat) or write to Halifax, part of Lloyds Banking Group, at:

Lloyds Banking Group PLC
Pitreavie Credit Card Operations
BX1 1LT

Making payments

You can make payments via:

  • Direct Debit - This can be for a fixed amount or percentage, the minimum amount or the full outstanding balance. You’ll need to provide us with your bank sort code and account number. Call us on 0345 944 4555 (Lines open - Mon-Sun, 24 hours a day) to set up over the phone or request a mandate or, if you’re registered for Online Banking, sign in and click on the ‘ways to pay’ tab on your credit card section.
  • Online - If you have a Halifax bank account you can make a payment online and it will normally be credited to your account within 2 hours.
  • Telephone Banking - if you have a Halifax bank account you can pay over the phone by calling 0345 720 3040. Your payment is normally credited to your account within 2 hours.
  • Standing Order - To set up a standing order please contact the bank where your current account is held. You need to provide your bank with the following information:
    Bank Sort Code 77-29-00
    Bank Account no. 00000000
    Your payment reference is your 16 digit card number.
  • By post - Complete the payment slip attached to the bottom of your statement and send a cheque in the envelope provided with your monthly statement. Please make your cheque payable to the cardholder (the person whose name appears on the statement) and your 16 digit card number. Please allow 7 working days for your payment to reach us.
  • In branch - If you receive paper statements, complete the payment slip attached to the bottom of your statement and bring it into your local branch with cash or a cheque. You can make a payment up until the day your payment is due however we recommend that you allow extra time.
  • From another bank - you will need to provide these details to your bank:
    Bank Sort Code 77-29-00
    Bank Account no. 00000000
    Your payment reference is your 16 digit card number
  • International Payments - When making payment from an overseas bank account you may be asked to give our IBAN and BIC/SWIFT code:
    IBAN - GB38LOYD30675699067997
    BIC/SWIFT - LOYDGB21705

However you choose to pay, you need to check that your payment will reach your account by the payment due date. Find out more about how payments are processed for Standing Orders, Direct Debits, Cheques and Future Dated Payments.


Important information

  • Do not send cash in the post
  • Please remember to allow extra time for your payment to reach us over bank holiday periods

If you require any other information regarding payments please contact our customer service team on 0345 944 4555 (Mon-Sun, 24 hours).

We also accept payment using the Faster Payments Service (FPS).

Managing your credit card

Paperless statements

Online statements are available for credit cards via Online Banking, making it much easier to manage your account. You will receive a PDF statement each month which cuts the clutter and statements are conveniently stored in one place.

We will send you an email each month when your statement is available to be viewed online - simply sign in to view your statement.

If you choose to receive online statements, you will no longer receive paper statements for your credit card account by post. But with account tools available within Online Banking, you are in control and can choose to start/stop receiving paper statements any time you wish to.


Adding additional cardholders

You can share your credit card and its credit limit with a spouse, partner, immediate family member or a friend aged 18 or over (subject to eligibility and application). You can add up to three additional cardholders, free, to all our credit cards apart from the Student Credit Card.

To add a new cardholder or to remove/amend an existing cardholder (amendments apply to name and nationality only), please contact us on 0345 944 4555 (Mon-Sun, 24 hours).
Please note that additional cardholders will not be able to view the credit card online.

As principal cardholder, you are responsible for all transactions made on any additional cards. If the additional card is withdrawn, you must retrieve and destroy the card, during which time you are still liable for all transactions made using that card.

If for any reason you cannot retrieve the card, please call the card services team on the number shown on the reverse of your card.


Changing your credit limit

In order to help us to make a sound decision we require at least six months payment history on your account before you can request an increase of your credit limit. You can decrease your credit limit at any time after your card has been activated.
If you wish to apply to change your credit limit, please call 0345 944 4555 (Mon-Sun, 24 hours).

From time to time you may be offered a credit limit increase. If this happens, you will be advised in writing and have 30 days notice before any increase will take effect. However, should you not wish to benefit from the increase, or want to decrease your credit limit, simply call 0345 944 4555 (Mon-Sun, 24 hours).


Changing your address

To update your address call our customer services department on 0345 944 4555 (Mon-Sun, 24 hours). You will need to have your credit card when you call to change your address over the telephone.

You can also change your address by completing the Change of address form and posting it back to us.

If you’re an online user, a link to this form is also available online by selecting ‘Change details’ from the ‘My accounts’ page.

Sign in now or Register for our online service


Changing your name

To change the name on your credit card account, you’ll need to visit your local branch, taking with you your original name-change documentation (Marriage Certificate, Deed Poll, etc).


Change your payment due date

If you want to change the date your monthly credit card payment is due, just call 0345 944 4555 (Mon-Sun, 24 hours) and we'll change the date for you.

General card enquiries

0345 944 4555 (Mon-Sun, 24 hours).

Read our guide to:

Telephone Banking for credit cards


You can report your lost or stolen card if you're registered for Online Banking. Simply sign in and fill in our online form.

Or, call us on 0800 0 15 15 15 (Lines open 24 hours a day 7 days a week). If you're calling from abroad you can call us on +44 (0) 113 242 8196.


Earn as you spend with Cashback Extras and get up to 15%* cashback.

Available to Halifax credit card customers who have a current account with us and registered for Online Banking.

Find out more

*Merchant offers and cashback amounts can vary.


Halifax Credit Cards are issued by Bank of Scotland plc, Registered in Scotland No.SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration no. 169628.
We subscribe to The Lending Code.
Credit facilities available subject to status to UK residents aged 18 or over.