Application questions
What is credit scoring or credit checking?
Like all responsible credit card companies, we take a number of factors into account when we assess your application. A Credit Search is when we carry out a search on your name and address with a Credit Reference Agency to help us understand more about your credit history. Each time a search is done it is noted on your credit record to let other organisations know that we have asked for information about you. Want to find out more? We have further information on credit scoring.
Can I apply for a second credit card with Halifax?
As an existing Halifax credit card customer you can apply for a second credit card. A second Halifax credit card could give you additional flexibility over your finances with the ability to keep balances separate by using a second card for a specific purchase, event or to consolidate existing credit card debt. A second card may also give you the opportunity to take advantage of different credit card benefits such as introductory offers and rewards.
As an existing Halifax credit card customer you can apply to swap your credit card. Swapping your card means you only have one card in your wallet, as your current card will be closed and a new credit card issued.