Make a change to your credit card account

Learn all about making changes to your credit card account online, by phone or in branch.

Common account updates

  • You can change your payment due date to suit you better, for example, if you get your salary from work later than your payment due date usually falls.

    You can change your payment due date in two ways:

    Sign in or register for Online Banking to manage your account securely. From your credit card account summary, select ‘More actions’, then ‘Paying your credit card’.

    Call 0345 944 4555. Speak to an adviser 7am-11pm, seven days a week. You’ll need your 16-digit credit card number.

    It’s important to know that your change might apply to a future payment, rather than your current statement payment, depending on when you make your request.

  • You can close your credit card in two ways:

    Call 0345 944 4555. Speak to an adviser 7am-11pm, seven days a week. You’ll need your 16-digit credit card number.

    Write to: Lloyds Banking Group PLC, Credit Card Operations, BX1 1LT
    In your letter, please include your:

    • Name and date of birth.
    • Credit card number.
    • Phone number or email address.
    • Signature.

    If you get statements online, make sure you save or print copies beforehand. You won’t be able to access these once your account is closed.

    If there’s a balance on your account
    If you have an outstanding balance, you need to continue to make payments. Your account will be active on your credit record until the balance is repaid in full.

    If your account is in credit, we can arrange a credit balance refund to your UK current account. To do that, call 0345 944 4555. Speak to an adviser 7am-11pm, seven days a week. You’ll need your 16-digit credit card number.

    Once your balance is zero, we'll let the credit reference agencies know your account is closed and they’ll update your credit record.

  • Change or unlock your PIN
    You can change your PIN at any UK cashpoint with shows the LINK logo. It’s important to pick something that’s easy to remember, but also something that’s not easy for someone else to guess.

    If your card is locked because you used the wrong PIN, you can also unlock it at a LINK cashpoint, although you’ll need to know the correct PIN first.

    How to get a PIN reminder
    If you use the Mobile Banking app, you can view your PIN securely online.

    More on viewing your PIN in the app

    Otherwise, to request a PIN reminder by post:

    • Sign in or register for Online Banking. Select ‘Your account tools’ from the menu, then ‘Replacement cards and PINs’.
    • Call 0345 944 455. Speak to an adviser 7am-11pm, seven days a week. You’ll need your 16-digit credit card number.

    PIN reminders delivered by post will arrive within 3-5 working days.

  • You can add up to three additional cardholders to your account, as long as they’re aged 18 or over. This could help you to keep track of all spending in one place.

    Each cardholder will get their own card and PIN to use, giving them access to your credit limit.

    Just be aware that:

    • Additional cardholder requests are subject to security checks.
    • As the main cardholder, you’ll be responsible for all spending and repayments on the account.
    • If you remove a cardholder, you’re responsible for their credit card until it’s destroyed. If you can’t get the card back, please contact us. It’s useful to know that you can freeze cards or certain transaction types using the Mobile Banking app, giving you more control.
    • Additional cardholders won’t be able to access or manage your account, online or otherwise. If you need support with managing your account, our help centre pages are a good place to start.

    You can add a cardholder in two ways:
    Sign in or register for Online Banking. From your credit card account summary, select ‘More actions’, then ‘Account services’.

    Call 0345 944 4555. Speak to an adviser 7am-11pm, seven days a week. You’ll need your 16-digit credit card number.

  • You can increase your credit limit if you’d like more flexibility on your existing credit card, or decrease it if you want to limit the amount of credit available to you.

    Before you can increase your credit limit with Halifax, you’ll need to have at least 6 months of payment history on your account. When you make your request, we might complete a credit check.

    Before you increase your credit limit, just ask yourself:

    • Does this suit my borrowing needs, or should I consider other alternatives?
    • Will I be able to make repayments, even if my circumstances change?

    You can request to decrease your credit limit at any time, but it’s important to know that this could affect your credit score in the short term. The difference between the amount you’ve borrowed and the total amount of credit available to you, affects the calculation of your overall score.

    You can change your credit limit in a few ways:

    Sign in or register for Online Banking. From your credit card account summary, select ‘More actions’, then ‘Manage credit limit’.

    Call 0345 944 4555. Speak to an adviser 7am-11pm, seven days a week. You’ll need your 16-digit credit card number.

    Using the Mobile Banking app, you can request a credit limit increase only.

    If we offer you a credit limit increase
    From time to time, we might write to you offering a credit limit increase. You’ll have the option to accept or decline the offer, with at least 30 days’ notice. If you don’t accept it, the offer will simply expire – we won’t increase your credit limit without your consent.

    If you’d rather not to be offered credit limit increases, you can change your preferences by calling 0345 944 4555. Speak to an adviser 7am-11pm, seven days a week. You’ll need your 16-digit credit card number.

  • Credit card statements are delivered online, or by post, based on your preferences. If you need statements in another format, like large print, Braille or audio CD, just contact us.

    How to change your preferences online
    Sign in or register for Online Banking. From the help and support menu, simply select ‘Manage online and paper preferences’.

    Using the Mobile Banking app, tap the ‘Settings and info’ icon in the top-right corner of the page (the little cog), then choose ‘How we contact you’.

    There are benefits to online statements:

    • We’ll send an email or text message to let you know when a new statement is available online.
    • Check your statement straight-away, rather than waiting for the postman.
    • View up to 7 years of (PDF) statements in one place.
    • Download, save and print copies.
    • Less paper to keep safe and organised at home.

    Understanding your credit card statement

Updating your personal details

  • It's important we have up-to-date contact details for you. We might get in touch if we need to complete checks while you’re shopping or managing your accounts online.

    You can change your phone number in two ways:
    Sign in or register for Online Banking. From your credit card account summary, select ‘Your profile’, then ‘Change your contact details’.

    Using the Mobile Banking app, tap the ‘Settings and info’ icon in the top-right corner of the page (the little cog), then select ‘Your contact details’.

    Call 0345 944 4555. Speak to an adviser 7am-11pm, seven days a week. You’ll need your 16-digit credit card number.

    Or visit a branch.

  • If you’re moving outside of the UK, or you need us to send letters to more than one address, please visit your local branch to discuss your options.

    If you’ve moved to a new house
    It’s important that you update your address as soon as possible:

    • To prevent letters going to your old address.
    • So you continue to receive important account updates.

    If you use the Mobile Banking app, that’s the easiest way to change your address straight away. Once you’re logged in, tap the ‘Settings and info’ icon in the top-right corner of the page (the little cog), then select ‘Your personal details’.

    Other ways to change your address
    Call 0345 944 4555. Speak to an adviser 7am-11pm, seven days a week. You’ll need your 16-digit credit card number.

    Print out and complete a change of address form (PDF, 77KB) and post it to: Halifax, PO Box 548, Leeds, LS1 1WU.

    If you can’t print this form for some reason, you can also write to us. In your letter quote reference P1COA, and include your:

    • Name and date of birth.
    • Old and new addresses.
    • Account number.
    • Phone number or email address.
    • Signature.

    Post your letter to: Halifax, PO Box 548, Leeds, LS1 1WU.

    Or visit a branch.


    If you have more than one account
    When you contact us, we’ll update your address on all of your Lloyds Banking Group accounts, including those issued by Lloyds Bank, Bank of Scotland, MBNA and Lloyds Bank Private Banking.

    If you bought an insurance policy through Halifax, you’ll need to contact your insurer separately to let them know about your new address. If you don’t, it could affect your policy.

    Moving abroad

    You must be resident in the UK to be eligible for a Halifax credit card. If you have a card account with us but move outside the UK in the future you must let us know as it may affect your ability to hold the account or the services we can provide. We will contact you if we ever have to close your credit card account. Other products and services held with Lloyds Group may also be affected by moving outside the UK.

  • If you need to change your name, you’ll need to visit a branch or write to us.

    Although you can’t update your name online, you can complete and print out the form you’ll need.

    Sign in or register for Online Banking. From your credit card account summary, select ‘Your profile’, ‘Change my details’, and then ‘Change name’.

    You can also pick up a copy of this form at a Halifax branch.

    Things you’ll need to provide
    We’ll need both your old and new signatures, along with original or certified copies of some documents, depending on the reason for your name change.

    That could include a combination of the following:

    • Marriage certificate/civil partnership registration document.
    • Deed Poll certificate (not available in Scotland).
    • Copy of the relevant entry in the Register of Corrections (Scotland only).
    • Statutory declaration.
    • Amended birth certificate issued by Registrar General, Edinburgh (Scotland only).
    • Adoption certificate.
    • Equity card.
    • Evidence of a bestowed or hereditary title (e.g. Lord), award (e.g. MBE) or qualification (e.g. PhD). Purchased or adopted titles are not accepted.

    If you’re divorced, we’ll need:

    • Divorce papers or a Decree Absolute and a marriage, birth or Deed Poll certificate/a copy of the relevant entry in the Register of Corrections (Scotland only).

    If your civil partnership has broken down, we’ll need:

    • Dissolved civil partnership papers.

    Once you’ve got your completed form and documents
    Visit a Halifax branch.

    Or write to: Halifax, PO Box 54, Leeds, LS1 1WU.

    Because we need original or certified copies of your documents, if you choose to write to us, we recommend sending everything recorded delivery. Once we’ve processed your name change, we’ll return your documents to you.

    If you have more than one account
    When you contact us, we’ll update your address on all of your Lloyds Banking Group accounts, including those issued by Lloyds Bank, Bank of Scotland, MBNA and Lloyds Bank Private Banking.

    If you bought an insurance policy through Halifax, you’ll need to contact your insurer separately to let them know about your new address. If you don’t, it could affect your policy.

Managing your credit card

Online Banking

Access your Halifax accounts in one place, at any time, using Online Banking. Sign in or register to view statements, make payments and transfers, manage your contact details, make changes to your account and more.

Sign in

Mobile Banking app?

Manage the essentials on the go, as well as app-only extras including the option to:

  • View your PIN online, rather than waiting for a reminder by post.
  • Freeze your card if you’ve misplaced it. You can also freeze individual transaction types if you’d like more control over how you, or any additional cardholders, use your account.

When you’ve downloaded the app to your smartphone or tablet, just sign in using your Online Banking username and password. You can also set up fingerprint or face ID on compatible devices.

More on the Mobile Banking app

Need help from us?

Get in touch by phone
Call 0345 944 4555. Speak to an adviser 7am-11pm, seven days a week.

Some essential and automated services are available 24 hours a day, 7 days a week. Other specialist services have shorter opening hours. Visit our contact us page for full details.

Visit a branch
You could also make changes to your credit card account over the counter.


Visit a Halifax branch.

A summary on credit card account changes

Depending on the changes you want to make, you have a few options:

  • Using Online Banking you can add or remove a cardholder, request a PIN reminder and change your credit limit, payment due date, phone numbers and the way we deliver statements.
  • Using the Mobile Banking app you can view your PIN, freeze cards or types of transaction, change your credit limit, phone numbers, address and the way we deliver statements.
  • Over the phone, you can add or remove a cardholder, request a PIN reminder, close your account and change your credit limit, payment due date, phone numbers and address.
  • By writing to us you can close your account and change your name and address. At a branch, you can change your name, phone numbers and address.

Want to read more?

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.