Frequently asked questions
Rather than display every credit card we offer, we’ll only show you cards you’re eligible to apply for. That way, you can make an informed choice about which cards will suit your needs.
A credit card can help you take control of your finances, but it needs to be the right option for your needs. Not all borrowing options are appropriate for all situations. For example, you may decide a credit card is not suitable with which to buy a car and may decide that a loan might be more suitable for you. However, if you need more flexibility over your monthly repayments, a credit card could provide that.
Learn more about the borrowing options available, including credit cards, loans, arranged overdrafts, and more, to help decide which is right for you.
This depends on what you want to use it for, and your individual circumstances. We’d suggest reading through everything on this page and on our website, so you understand exactly which credit card is right for you. You might find our credit cards help and guidance section useful.
A credit card is a plastic card, like your debit card, that can be used to pay for goods and services. However, with a credit card, you borrow the money when you spend on it, and then pay it back on a monthly basis. Interest will be added if you don’t clear your balance in full. Credit cards also offer better protection than debit cards on larger transactions.
No. It only does a ‘soft’ credit search that can’t be seen by other lenders, so they can’t use it when making a lending decision.
Interest is what you're charged for borrowing money using a credit card. It's worked out as a percentage of what you borrow. The higher your interest rate, the more you'll be charged.
Some cards offer a 0% introductory offer. The 0% interest rate will apply to a certain type of borrowing on your card, like purchases or balance transfers, for a certain amount of time. This means you have a set amount of time to pay back that borrowing before you're charged any interest. You'll still need to make at least your minimum payment on time each month and stay within your credit limit.
You should check what fees and charges apply on a credit card before you apply for it.
Some of the top tips for using a credit card include:
- Borrow only what you can afford.
- Don't go over your credit limit.
- Know the cost of borrowing.
- Check statements carefully.
- Keep your card and PIN safe.
- Make payments on time.
See our managing a credit card guide to read more about these tips and the best ways to manage a credit card.
Learn more about credit cards
For more helpful information, read our credit card guides.
Set up our Mobile Banking app
Everyday banking on the go where you can:
- View account statement and search transactions
- View pending transactions
- Report a card as lost or stolen or temporarily freeze it
- View pin
- Sign in securely using fingerprint or Face ID with a compatible device
Available to Online Banking customers with a UK personal account and valid registered phone number.
Our app is available on devices running iOS or Android. The app is not compatible with some older versions of the operating systems – check the App Store or Google Play for more details.
Our app does not work on jailbroken or rooted devices. Device registration required.
Terms and conditions apply.
Mobile Banking services may be affected by phone signal.
Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.