Credit cards help and guidance

Need help? Whether you're thinking of applying for a Halifax credit card or you're already a customer, our quick links and handy guides will point you in the right direction.

Coronavirus (COVID-19) support

We’re with you during this crisis. If your income has been affected by coronavirus, we’re here to support you.

Find out how we can help

Quick help with your credit card

Report your card lost or stolen

If you're registered for Online Banking, you can report your credit card lost or stolen online.

Sign in to report your card lost or stolen

Or call us on 0800 0 15 15 15. If you're outside the UK, call +44 (0) 113 242 8196. Lines are open 24 hours a day, 7 days a week.

Misplaced your credit card?
You can freeze and unfreeze your cards through our Mobile Banking app.

Get a replacement card or PIN reminder

If you’ve got a problem with your card or you've forgotten your PIN, you can request a replacement card or PIN reminder online.

Sign in to get a new card or PIN reminder

Or call us on 0345 944 4555 (Mon-Sun, 7am - 11pm).

Don’t recognise a transaction?

Most credit card purchases are covered by Section 75 of the Consumer Credit Act 1974. But even with this additional protection you may still need to dispute a transaction.

If you see something you don’t recognise on your statement and the company that’s taken the payment can’t help, contact us to raise a payment dispute.  

How to raise a payment dispute

Need something else?

If you need more help with your Halifax credit card, visit our existing customers page. Here you can find out how to activate your card, how to make a change to your account, ways to pay your bill and other handy information.

More help for existing customers

Understanding credit cards

Getting your first credit card

Our first-time guides will help you understand the basics of credit cards and how to choose the best one for you.

Your guide to credit cards

How to choose a credit card

How to apply for a credit card

Staying in control

Getting to know your credit card better will help you enjoy its benefits while staying out of financial difficulties. Read these guides to feel more in control of your card.

Common credit card questions

Learn about APR, interest rates and fees

Top tips for managing your credit card

Find out how to freeze your card

Going abroad?

You no longer have to tell us when you’re travelling abroad. Our fraud and security systems are always on the lookout for suspicious activity on customers’ accounts, meaning you really can relax when you’re away.

But there are a few things you should know before you travel.  

Read our advice on travelling abroad with 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.