Common credit card questions

    • 1.
      How can I make a payment to a Halifax credit card account?

      There are many ways that you can make a payment to Halifax credit cards. You can find a full list of payment methods to help decide which is best for you.

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    • 2.
      What Direct Debit options are available to me?

      There are three Direct Debit options:

      • Full payment - this will collect the total balance shown in your monthly statement.
      • Minimum payment - this will collect the minimum payment shown on your monthly statement. Paying this way means you can avoid late fees but will usually mean you’ll be charged interest on your outstanding balance. To help reduce interest charges you can make an extra payment on top of your Direct Debit.
      • Regular monthly amount - this allows you to choose a fixed amount or a percentage you want to pay each month. If this is less than the minimum payment we will set the payment to the minimum amount. For fixed amounts; if your chosen amount is more than your statement balance we will set the payment to the statement balance.

      Please note that payment will only be received to your credit card account by direct debit if the funds are sent by the originating bank, e.g. you have sufficient clear funds in your originating bank account.

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    • 3.
      When will my Direct Debit payment come into effect?

      We will work with the holder of your Bank Account to set up a direct debit. Do not stop making alternative forms of payment until you receive confirmation on your credit card statement that your Direct Debit has been set up.

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    • 4.
      How can I set up a Direct Debit?

      To set up a Direct Debit, you’ll need to provide us with your bank sort code and account number. If you’re registered for Online Banking, sign in and select the 'More Actions' button on your credit card account from your homepage or call us on 0345 944 4555 (Mon-Sun, 7am - 11pm) to set up over the phone or request a mandate.

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    • 5.
      Can I cancel a Direct Debit?

      You have the right to cancel your Direct Debit at any time. You will need to contact us at least 4 working days before your payment collection date if you need to cancel your Direct Debit.

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    • 6.
      Can I amend the date on which my payments are due?

      You can change the date of your monthly credit card payment to one that is more convenient for you. If you’re registered for Online Banking, you can sign in and change your payment due date online or just call 0345 944 4555 (Mon-Sun, 7am - 11pm) and we’ll arrange it for you.

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    • 7.
      How can I find out what rate of interest I am currently paying?

      The current interest rate for your existing credit card is shown on your monthly statement. Alternatively you can call us for the information on 0345 944 4555 (Mon-Sun, 7am - 11pm).

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    • 8.
      What happens if I miss a monthly payment?

      If you miss monthly payments the use of your card may be suspended and we may need to contact you. You may also be charged a late payment fee. Please note that missed payments or payments we don’t receive on time will be recorded on your credit file. This could affect your future credit rating. If you exceed your credit limit, your account may be blocked and you will need to pay the excess amount before, or along with, your next monthly payment.

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    • 1.
      When will my introductory offer end?

      The length of your introductory offer depends on the card you have. Your introductory offer commences on the date that your Halifax Credit Card account is opened and the length of your introductory offer will be written in your credit card conditions. Introductory offers may be withdrawn if you exceed your credit card limit or do not make at least your minimum monthly payment on time.

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    • 2.
      How long does it take to make a balance transfer?

      After approving your request we will make arrangements with your other card issuer(s). Once these arrangements are complete, the money will normally arrive by the next working day. Find out more about our balance transfer credit cards.

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    • 3.
      How can I make a balance transfer?

      If you're an online user, you can transfer a balance online. From 'My accounts' select the 'Balance transfer' button next to your credit card account and follow the online instructions.

      When you log in, you'll be able to see any recently requested balance transfers under ‘pending transactions’. These can be cancelled only while the request shows as pending in online banking.

      Sign in now

      Register for our online service

      Or call us on 0345 944 4555 from 7am - 11pm, seven days a week, give us the amount, account number and card issuer, and we'll do the rest.

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  • How do I query an entry on my statement?

    If you have a query about a particular transaction on your statement, call us on 0345 944 4555 (Mon-Sun, 7am - 11pm).

    Can I change my credit limit?

    In order to help us to make a sound decision we require at least six months payment history on your account before you can request an increase of your credit limit. As part of the request, we’ll ask you for a few details such as your monthly income and your monthly spending amounts.

    You can request an increase in your credit limit by logging into your online banking (either on your computer or via the mobile app), alternatively you can contact us on 0345 944 4555 (Mon-Sun, 7am - 11pm).

    You can decrease your credit limit at any time after your card has been activated by logging into your online banking, alternatively you can contact us on 0345 944 4555 (Mon-Sun, 7am - 11pm).

    Where can I look for further help with my credit card?

    Take a look at our existing credit card customers page for information and help managing your credit card.

    Can I redistribute my credit limit between my Halifax Credit Cards?

    You can redistribute your credit limit between your two Halifax Credit Cards. This means that if you have credit available (i.e. you’ve not used your entire credit limit) on one of your credit cards, you can move a proportion of it across to your other credit card. You can redistribute your credit limit once every six months and you can move a minimum of £100 and up to a maximum of 90% of your available credit limit. There must also be an overall credit limit of £500 left on the original card.

    For example, you have 2 Halifax credit cards, and you want to redistribute your credit limit. You move £2,250 (90%) of your available credit limit in Credit Card A to Credit Card B. This brings the new credit limit on Credit Card B to £3,250 and leaves £750 as the final credit limit on Credit Card A. Please note that depending on your cards, you may be redistributing from a low rate APR to a higher rate APR.

    Credit Card A amounts

    Credit Card A

    Credit Card A

    Current Credit Limit:


    Credit Card A



    Credit Card A

    Available Credit:


    Credit Card A

    Final Credit Limit:


    Move £2,250

    Credit Card B amounts

    Credit Card B

    Credit Card B

    Initial Credit Limit:


    Credit Card B



    Credit Card B

    Redistributed Credit:


    Credit Card B

    New Credit Limit:


    There are a couple of key points of which to be aware:

    Redistributing your credit limit is different from a balance transfer. Redistributing your credit limit simply means that you can allocate your credit limit across your Halifax credit cards. It does not pay off any outstanding balance on Credit Card B or Credit Card A as shown in the example.

    Redistributing your credit limit is different from a credit limit increase where you can request to have a higher credit limit. Redistributing your credit limit does not increase the combined credit limit available to you.

    You can only redistribute your credit limit through telephone banking. If you wish to redistribute your credit limit, please have both your Halifax credit card details to hand and call 0345 944 4555 (7am - 11pm, seven days a week).

    What is a money transfer?

    A money transfer lets you transfer money from your credit card to any of your own UK current accounts and benefit from a promotional interest rate on the transfer you make. Money transfers are not available on new credit cards but you may become eligible once you have held the card for over 3 months. You can view your eligibility and credit card offers through Online Banking. A transfer fee may apply.

    Find out more about money transfers.

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.