What else should I think about before I commit?
If you need to take money out of a cash machine, remember that credit cards are different to debit cards and you’ll be charged interest and a fee. If you withdraw cash overseas, you may also incur an additional fee.
Don’t forget, you can close your credit card account at any time – our products have no tie-ins. However, you must clear any outstanding balance first.
When you apply for a credit card, we'll usually check your credit history with a credit reference agency. If you apply for lots of credit, this could have a negative impact on your credit rating.
Credit cards have many advantages but they may not be for you. If you don’t have the money to pay for what you’re buying and need extra funds, you might pay a lower rate of interest with an arranged overdraft or personal loan.
Already have a Halifax credit card?
Find out about swapping your credit card or applying for a second credit card, in order to take advantage of a new card with different features and benefits to suit your current need and lifestyle.