Your Credit Score
Thinking about applying for credit? Check Your Credit Score for free, with no impact on your credit file.
Halifax offer credit cards to suit most borrowing needs. Find one to suit you.
You’ll need to give us
Things that can affect our decision
Your PIN will be delivered by post within five working days.
Your new credit card will follow, arriving within seven working days.
We send these separately for security. If your card doesn’t arrive within 2 days of your PIN being delivered, please call us on 0345 944 4555. Speak to an adviser 8am – 8pm, seven days a week.
Not all Telephone Banking services are available 24 hours a day, seven days a week.
You’ll also receive two emails:
Was it an eligibility check?
Although it’s disappointing to be told you’re not eligible, the good thing about eligibility tools is, to make an eligibility decision, a 'quotation' or 'soft search' is completed. This won’t affect your credit score.
Or a full credit application?
If you submit a full credit application, a full credit search will be completed. If you’re declined, this will affect your credit score.
Multiple applications in a short period can negatively impact your credit score too, which could further affect your chances of being accepted.
Your credit score can impact what cards and interest rates you could get. Learn more about how credit works, how to check and improve your credit score, and more.
At Halifax you can apply online, by phone or by visiting a branch.
Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.