Help with credit card debt.

Sometimes we all need a little extra help to stay in control of our finances. If you're starting to worry about managing your credit card or think you may be experiencing financial difficulties, we're here to help and support you.


Top tips on managing your credit card

If you’re struggling to manage you credit card we can help. We've put together a guide with some of our top tips to help you manage your credit card.

The guide covers:

  • How to keep track of your spending
  • How to manage your credit card limit
  • How to manage your credit card online
  • Managing your repayments
  • Managing credit card debt.

Understanding rates, fees and charges

We use a number of terms to refer to rates, fees and charges. You can find out more information about these terms in our handy guide.

The guide covers the following terms:

  • Annual percentage rates
  • Credit card fees
  • Default charges
  • Promotional interest rates
  • Standard interest rates.

Incorrect, unknown and disputed transactions

Find out everything you need to know about what you can do and how we can help you with disputed payments on your Halifax credit card.

Find out more information about:

  • Common payment disputes raised
  • How your credit card can help you
  • How to check an unrecognised transaction on your statement
  • How to raise a payment dispute on your credit card.

Staying safe online

Whether you’re shopping online or managing your bank account, it’s important that you keep yourself safe and secure online. We use the latest online security measures to protect you online but there are also things you can do to prevent fraud.

Find out more information about:

  • How we protect you online
  • How to keep your passwords secure
  • How to report fraud
  • Our Fraud Guarantee
  • Social media security.

Find out more about staying safe online


Getting help with credit card debt

If you’re struggling to make payments on your credit card, please contact us.

We have trained advisors who will be able to offer you help and guidance on how to pay off your credit card debt. We can discuss payment options with you and may be able to negotiate an agreement which will reflect what you can afford to pay based on your personal circumstances.

Getting in touch with us:


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 Credit Cards are issued by Bank of Scotland plc, Registered in Scotland No.SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration no. 169628.