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This guide covers how to manage and make the most of your Halifax credit card.
It's difficult to predict the future, but consider how you’d manage if your circumstances changed. Try to borrow only what you need and think you can realistically afford to repay.
If you’re planning to make a purchase or transfer though, make sure you use any introductory rates while they’re available. That way, you’ll benefit from the lowest and longest lasting interest rates.
If you do, you could lose any introductory and promotional interest rates, plus your credit score could also be affected, which might make it harder for you to get credit again in future.
If you need more flexibility, you could ask to change your credit limit, subject to status and security checks. We might also contact you to offer a higher credit limit, but you don’t have to take it if we do.
Different rates of interest might apply to parts of your outstanding balance, based on transaction type and whether a standard or promotional rate applies.
Fees could also apply to some accounts and transactions. Additional charges might apply if you don’t manage your credit card account in line with the conditions of your credit agreement.
It’s important to check your statements as soon as they’re issued, so you’re aware of your balance and any due payments. You should also check over any recent transactions, fees and charges.
It’s a good idea to keep hold of recent receipts and email confirmations, so you can check them against your statement when it arrives.
You need to make at least the minimum payment detailed on your statement each month, and it must reach us by the due date shown. It’s a good idea to pay as much as you can to reduce your balance and any interest costs.
If you miss a payment or it’s late, in addition to fees and charges, you could lose any promotional interest rates on your account and your credit score could be affected.
To help you to stay on track, you could set up a Direct Debit to make payments to your credit card account automatically each month, but there are a few payment options available.
It’s useful to understand how a credit card works, and all the ways you can use one.
Using a credit card gives you the option to spread large and unexpected costs, or just to manage your everyday spending.
Just bear in mind, you might need your credit card PIN to complete a transaction.
If you’ve got a contactless card, you can make secure payments of up to £45, without entering your PIN. From cafes to corner shops, a growing number of retailers offer contactless as a payment option.
More on contactless
To use Apple Pay or Google Pay, simply add your card details to a compatible device.
Shopping online offers you convenience and choice, but it’s important to know who you’re buying from, whether there are any additional costs and how to keep your information safe.
Why was my card declined?
We know how frustrating it can be to get your card declined. That’s why we’ve put together this page, so you can see all the possible reasons.
Your card hasn’t been activated
You have a card freeze in place
You’ve reached your agreed credit limit
Your card has expired
You’ve reached your daily cash machine withdrawal limit
If your card was declined while paying for something online or over the phone, it could be because of these reasons:
Your name and address don’t match our records
Wrong CVV number
If none of those answers have helped you, please get in touch:
You can call us on 0345 944 4555, or if you're calling from abroad, you can call us on +44 (0) 1733 573 189. Calls to 03 numbers are charged at no more than local rate. Lines are open 8am – 8pm, seven days a week.
Not all Telephone Banking services are available 24 hours a day, seven days a week.
You could move balances from most credit cards and some store cards, to a single credit card. With everything in one place, it should be easier to stay on top of your balance and payments. Transfer fees may apply.
If the option is available, with a money transfer you could move funds to your UK current account. That could help you to manage cash only purchases or unexpected bills. Transfer fees may apply.
Your credit card can be a great addition to your wallet when you travel, but it’s important to understand what additional fees may apply when you use your card outside the UK.
You could use a credit card to take cash out at an ATM, in-branch or at a bureau de change. Just be aware that fees might apply to these transactions.
This is usually the most expensive way to borrow too, so perhaps best used for emergencies only.
You can manage your credit card account using Online Banking and the Mobile Banking app.