You can apply for a credit card if:
See how likely you are to be accepted for a Halifax credit card without harming your credit score.
It's important you find a credit card that's right for you. Our guide on how to choose a credit card explains the things you'll need to consider before selecting a card.
*Second cards excludes Student Credit Card customers. Conditions apply.
Compare our cards to make sure you find the right one. We even have a card selector to help you choose.
To apply, you'll need your:
You can apply for a card online, in branch and over the phone, however some balance transfer offers are available exclusively online. You’ll find out if you’re successful about halfway through the application. Applying through Online Banking will make your application quicker and easier. The application form is designed to work on your desktop, smartphone or tablet.
When making a lending decision, these are some of the things we consider:
A balance transfer is the process of transferring a balance from one credit or store card to another. You can do this from most non-Halifax credit cards and some store cards.
Apply for a balance transfer during your application for a new credit card. Or after you've received your card, by signing in to Online Banking, visiting your nearest branch or calling us.
Your card will arrive within seven working days and your PIN will arrive within five working days. If your card hasn't arrived within two days of your PIN, please call us on 0345 606 2172.
You’ll also receive two emails:
1. Pre-contract information - This is the legal contract we provide to you before you accept the terms and conditions.
2. Adequate explanation and Credit Card Agreement - This is the terms and conditions you have signed. We will send this once your application has been completed.
There are a number of reasons why you might have been declined, for example: