Your Credit Score
Thinking about applying for credit? Check Your Credit Score for free, with no impact on your credit file.
Learn all about making changes to your credit card account online, by phone or in branch.
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 8am – 8pm, seven days a week.
Not all Telephone Banking services are available 24 hours a day, 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 8am – 8pm, seven days a week.
Not all Telephone Banking services are available 24 hours a day, 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:
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 8am – 8pm, seven days a week.
Not all Telephone Banking services are available 24 hours a day, 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:
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:
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’. Good to know - this service is not available in our app.
Call 0345 944 4555. Speak to an adviser 8am – 8pm, 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:
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 8am – 8pm, seven days a week.
Not all Telephone Banking services are available 24 hours a day, 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:
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 8am – 8pm, seven days a week.
Not all Telephone Banking services are available 24 hours a day, 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:
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 8am – 8pm, seven days a week.
Not all Telephone Banking services are available 24 hours a day, seven days a week. You’ll need your 16-digit credit card number. You can also 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 Banking 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:
If you’re divorced, we’ll need:
If your civil partnership has broken down, we’ll need:
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.
Depending on the changes you want to make, you have a few options: