Managing your Credit Card.

Have a look through the wealth of information we have available to help you manage your Halifax credit card.

You can read information on managing your existing credit card to make the most of it  and we have answered some of the most commonly asked questions.

Managing your payments

You can choose to manage your Credit Card payments in a number of different ways.

Important information

However you choose to pay, you need to check that your payment will reach your account by the payment due date. Find out more about how payments are processed here.

  • Do not send cash in the post
  • Please remember to allow extra time for your payment to reach us over bank holiday periods.

Direct Debit

You control how you pay so you’ll have one less thing to sort out each month. There are 3 ways to pay:

  • Full payment – clears the total balance shown on your monthly statement
  • Minimum payment – collects just the minimum payment shown on your monthly statement
  • Fixed amount or percentage – pays a fixed amount or percentage each month. We will always collect at least the minimum payment.

Simply sign in or register for Online Banking to set up a Direct Debit and click on the 'Pay credit card' button.

One off payment

A one-off payment can be made online, through mobile banking or direct from your current account provider:

  • Halifax account – sign in and select the 'Pay credit card' button. If you’re using the mobile app, select ‘Make a Payment’ from the menu button next to your card. All payments will show on your statement by the next working day
  • Other bank account – make a payment from your current account in the same way you pay a bill or person. Enter ‘0000 0000’ for the account number and ‘77 29 00’ for the sort code . The payment reference is the long number on the front of your credit card (often 16 digits).

Sign in in or register for Online Banking to make a payment

Other options

  • Call 0345 944 4555 (Mon-Sun, 24 hours) if you have a current account with us.
  • Pop into branch with your credit card to make a cash or cheque payment.
  • Post a cheque made payable to Halifax Bank followed by your credit card number to Halifax Card Services, PO BOX 109, Sheffield, S98 1GE. Only send cheques via the post and use blue or black ink. Allow 7 working days for the payment to reach us.
  • International payment when making a payment from an overseas bank account you may be asked for the following details:
    IBAN – GB38LOYD30675699067997
    BIC/SWIFT – LOYDGB21705

Changing your payment due date

You can change the date of your monthly credit card payment to one that is more convenient for you. To change your due date online sign in to Online Banking and select the ‘more actions’ button on your credit card account, then the ‘paying your credit card’ button. Or you can call us on 0345 944 4555 (Mon-Sun, 24 hours).

Add a cardholder

  • You can share your credit card account and credit limit with anyone aged 18 or over, subject to application.
  • As the main cardholder, you're responsible for all spending on the card. You're also responsible for making the monthly payments.
  • You'll see all your card spending on your monthly statement. Only the main cardholder will be able to view the credit card online.
  • Should you decide to remove an additional cardholder, you will still be responsible for the card until it has been destroyed. If you cannot get the card back, please call us.

To add, remove or amend a cardholder:

  • You can call us on 0345 944 4555 (Mon-Sun, 24 hours)
  • Sign in or register for Online Banking. Click on the ‘More actions’ box next to your credit card and then ‘Account services’.

Changing your credit limit

We require at least six months payment history on your account before you can request an increase of your credit limit. You can decrease your credit limit at any time after your card has been activated.

You can apply to increase or decrease your credit limit online, simply select the ‘more actions’ button on your credit card account and then the ‘manage credit limit’ button, or you can call 0345 944 4555 (Mon-Sun, 24 hours).

From time to time we may write to you offering a credit limit increase. If this happens, we will give you 30 days notice before any change will take effect. Should you wish to decline the change, call 0345 944 4555 (Mon-Sun, 24 hours).

Changing your address

You have two options:
Call our customer services department on 0345 944 4555 (Mon-Sun, 24 hours). Remember to have your credit card to hand.
Alternatively, complete the Change of address form and post it back to us.

Changing your name

Step 1: download and complete a ‘Changes to customer name’ form. This form is available by logging in to Online Banking and selecting ‘Change details’ from the ‘Your profile’ tab at the top of the page. You can also pick up the form in branch.

Step 2: visit your local branch with the completed form and proof of your name. Alternatively, post your completed form and proof of your name.

You must have an original or a certified copy of the name change document, for example:

  • Deed poll
  • Marriage certificate or civil partnership registration document
  • Divorce papers or dissolved civil partnership papers
  • Passport/ Driving license

Closing your account

To close your account please call us on 0345 944 4555 (Mon-Sun, 24 hours) or write to Halifax, part of Lloyds Banking Group, at:

Lloyds Banking Group PLC
Pitreavie Credit Card Operations
BX1 1LT

Forgotten your PIN

If you've forgotten your PIN, you can request a PIN reminder which will be sent through the post.

Just select one of the following options:

  • Sign into Online Banking and use our replacement cards and PINs service by selecting it from 'Your account tools'
  • Use our App and select the account action button (the 3 dotted icon) for your chosen account
  • Call us on 0345 944 4555 (Mon-Sun, 24 hours).

Please note that for security purposes, we cannot provide your PIN details over the phone. You'll receive your reminder by post in 3-5 working days.

Going abroad

Are you planning to go abroad soon? Don't forget to tell us. We always look out for unusual activity on your credit cards, so let us know your travel plans and we'll expect to see international spending on your account.

It only takes a few minutes to add your travel details, and will help make more of your card transactions hassle free while you're away.

If you experience any difficulty using your credit card, call us on +44 1733 573 189 (Mon-Sun, 24 hours).

You can do this by selecting ‘Your profile’ from the toolbar and choosing ‘Set up and manage travel flag’.

Sign in to Online Banking

Or find out how to register for Online Banking.

Alternatively call us on 0345 944 4555 (Mon-Sun, 24 hours) or visit your local branch.

Remember to ensure your contact numbers are up to date. You can do this either online over the phone or in branch.

See more information about using your cards abroad.

Paper-free statements

Online statements are available for credit cards via Online Banking, making it much easier to manage your account. You will receive a PDF statement each month which cuts the clutter and statements are conveniently stored in one place.

We will send you an email each month when your statement is available to be viewed online - simply sign in to view your statement.

If you choose to receive online statements, you will no longer receive paper statements for your credit card account by post. But with account tools available within Online Banking, you are in control and can choose to start/stop receiving paper statements any time you wish to.


Online Banking

You can manage your account on online by signing in.

Sign in to Online Banking

Forgotten your password?

General card enquiries

0345 944 4555 (Mon-Sun, 24 hours).

Read our guide to:

Telephone Banking for Credit Cards


Lost or Stolen Credit Card?

If you're registered for Online Banking you can report your lost or stolen card through our online form.

Alternatively you can call us on 0800 0 15 15 15 (Lines open 24 hours a day 7 days a week). If you're calling from abroad you can call us on +44 (0) 113 242 8196.


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.
Credit facilities available subject to status to UK residents aged 18 or over.