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Help and guidance

Whether you're thinking of applying for a credit card, or you're already a customer and you want to boost your knowledge, this page includes links and guides which should help.

Coronavirus (COVID-19) support

If your income has been affected by coronavirus, we’re here to provide support.

Find out how we can help

What is a credit card?

A credit card gives you the option to borrow money straight away, which you’ll then need to pay back later. Of course, there’s more to it than that, so we’ve created a short guide to explain more.

How a credit card works

Get clued up on credit

Your credit score can impact what cards and interest rates you could get. Learn more about how credit works, how to check and improve your credit score, and more.

Credit explained

Can’t find what you’re looking for?

Speak to someone

Trained advisers are just a phone call away. Some essential and automated services are available 24 hours a day, 7 days a week. Other specialist services might have limited opening hours.

Money worries?

If you’re ever struggling to make credit card payments, please get in touch so we can find a way to help. Our trained advisers can offer support, or you can find useful information online.

Find a credit card

If you’re in the market for a new credit card, it’s important that you understand what’s involved with an application, and how lending decisions are made.

How to apply for a credit card

Making sure you get a fair deal

We want you to find a product that's right for your circumstances, which is why we adhere to the Standards of Lending Practice, which are monitored and enforced by the Lending Standards Board. 

To find out more you can read the statement of responsibilities, which details what's expected of us, the lender and you the borrower.

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.