Applying for a second credit card

A second credit card could help to meet borrowing needs as they change.

Why do you need a second card?

A second credit card could give you the option to:

  • Make new purchases.
  • Keep existing balances and everyday spending separate.
  • Transfer balances from other credit card providers.
  • Transfer money to your UK current account.


If you’ve got two credit cards with Halifax, you might be able to redistribute your credit limits, helping you to take advantage of the lowest and longest lasting interests rates.

Are you eligible?

  • Your existing Halifax credit card can’t be a Student account.
  • It must be at least 60 days since you applied for your first Halifax credit card.
  • You can only have two Halifax credit cards, and up to 5 with Lloyds Banking Group, which includes Lloyds Bank, Bank of Scotland and MBNA.
  • Your application will be subject to a full credit and affordability check.

Managing a second credit card

Separate accounts

Each card you have will need to be managed separately, for example, you’ll need to make a monthly payment to each.

Different rates/fees

The features of your existing credit card won’t change – different interest rates, fees and charges usually apply to each card.

Insurance policies

If you have Payment Protection Insurance (PPI), your policy will only cover your existing credit card.

Prefer to have just one card?

You might be able to swap your existing Halifax credit card for another, better suited to your changing credit needs.

Think through your options

  • Will a second credit card suit my borrowing needs, or should I consider other alternatives?
  • Will I be able to make repayments, even if my circumstances change?


Other borrowing options

Applying for a second credit card

1. See if you’re eligible

An eligibility check makes it easy to find and compare Halifax credit cards. Our short form takes around five minutes to complete.

  • We’ll tell you which Halifax credit cards you’re likely to be accepted for.
  • You’ll see the credit limit you’re likely to get.
  • With no impact to your credit score.

2. Select a card and apply

After your eligibility check, browse to find a credit card you’d like to apply for, then follow the on-screen instructions and fill out the rest of the application.

Just so you know, we’ll complete a full credit search when you submit your application, which will be registered on your credit record.

Check your eligibility

Other ways to apply

Using Online Banking, sign in or register, select ‘Our Products and Services’ from the menu, then ‘Credit Cards’. Give us a call on 0800 028 3258. Speak to an adviser Mon-Fri 8am-8pm, Sat 8am-6pm, and Sun 9am-5pm. Or visit a branch.

Types of Halifax credit card

Large purchase cards

A credit card could help you to make and manage larger purchases.

Balance transfer cards

Make things easier to manage by moving your balances to a single card.

Everyday spending cards

Manage your day-to-day expenses on things like travel, food and fuel.

Travel cards

Some credit cards offer benefits created especially for keen travellers.

Frequently asked questions on second credit cards
 

  • The lowest and longest lasting introductory interest rates are usually offered on one transaction type, so it’s important to think about the main reason you need a second credit card.

    Card purchases – if you’re planning a large purchase and need to spread the cost over a few months, a second credit card could be a solution.

    Or, if you’re focused on paying off a balance on your existing credit card, a second credit card could be a way to keep your everyday spending separate.

    It’s useful to know, to avoid paying interest on purchases, you need to pay off your full statement balance every month.

    Balance transfers – you could consolidate existing balances you hold elsewhere with a second credit card, making your outgoings easier to keep track of. Transfer fees might apply.

    At Halifax, you can transfer balances from most credit cards and store cards which display the Mastercard®, American Express®, or Visa® logos, but not from loan companies, bank accounts or other Halifax credit cards.

    More on balance transfers

    Money transfers – selected credit cards give you the option to transfer funds to your UK current account, helping with cash-only purchases and unexpected expenses. Transfer fees might apply.

    It’s useful to know that if you make a purchase using money transferred from your credit card to your current account, the purchase will not be protected under Section 75 of the Consumer Credit Act 1974 – unlike some credit card purchases.

    More on money transfers

  • Yes. Once you’ve got two Halifax credit cards, you can ask to redistribute your credit limits between them. For example, if there’s a promotional interest rate on one card, you could move a portion of your available credit from your other card, helping you to take full advantage.

    You can redistribute your credit limit once every six months, moving as little as £100 and up to 90% of your available credit limit. Any single card must have a minimum credit limit of £500.

    Your outstanding balance will remain the same – this won’t increase your combined credit limit. It’s simply a way to split your credit limit to suit your needs.

    If you’d like to redistribute your credit limit, please call us on 0345 944 4555. Speak to an adviser 7am-11pm, 7 days a week.

  • Yes, you could make changes to your existing credit card, so it better suits your needs:

    • Increase your credit limit for more flexibility. Requests are subject to status and security checks.
    • Check for promotional interest rates on your existing credit card. We might contact you by email or post when new rates are available, or you could sign in to Online Banking or the Mobile Banking app to check.
    • Add additional cardholders, so you can keep track of family spending in one place. Cardholders must be aged 18 or over, and you’ll be responsible for all spending and repayments.

    Another alternative could be to swap your existing Halifax credit card, so you can take advantage of new interest rates.

  • Applying for a second credit card could affect your credit score in a few ways:

    • Any full application for credit will be recorded with the Credit Reference Agencies.
    • If your application is approved, the total amount of credit available to you will increase, which could limit new credit applications being approved, at least in the short term.
    • If your application is declined, your credit score could be negatively affected.

    The way you manage your borrowing is also important. For example, if you don’t make payments on time or you go over your credit limit, in addition to fees, charges and losing any promotional interest rates, you also risk damaging your credit score.

    Before you apply for a second credit card, consider if this is the right borrowing option, and if you’ll still be able to make repayments if your circumstances changed.

    More on credit scores

    If you’re worried about your credit score, you might prefer to tweak your existing credit card, instead of applying for a second credit card. The section below might give you some ideas.

  • There are conditions to applying for a second credit card with Halifax. These are detailed above but, as an example, it must be at least 60 days since you applied for your first Halifax credit card.

    Any credit application is subject to an assessment of your personal circumstances. This is based on a number of factors, including:

    Your credit record – credit reference agencies hold information about you and your financial past, issuing you with a credit score. Lenders use this information to make decisions on credit applications.

    Affordability – lenders also consider what you can reasonably afford to repay for the foreseeable future, based on things like your income and the total amount of credit that’s available to you.

    Current and past relationships – lenders usually keep records about accounts you’ve held with them in the past, including information about how well they’ve been managed.

    Many lenders, including Halifax, now provide an eligibility checker to help you to find and compare cards you’re likely to be accepted for, without impacting your credit rating.

A summary on second credit cards

Could be useful for purchases, transfers or to keep balances and everyday spending separate.

  • Conditions apply, e.g. it must be at least 60 days since you applied for your first credit card.
  • You can have up to 2 credit cards with Halifax, and up to 5 Lloyds Banking Group credit cards.
  • Any credit application is subject to an assessment of your personal circumstances.
  • Consider if you can make changes to, or swap your existing credit card instead.

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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.