Tips for managing your credit card

This guide covers how to manage and make the most of your Halifax credit card.

Five key tips for managing credit

1. Limit what you borrow

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.

More on introductory interest rates

2. Dont go over your credit limit

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.

More on credit limits

3. Make payments on time

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.


There are things you can do to help stay on track:


If you’re experiencing difficulties making your credit card payments, please let us know so we can help. You’ll find information and support at our money worries page, or you can call us on 0345 944 4555

4. Know the cost of borrowing

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.

More on credit card interest

More on fees and charges

5. Check statements carefully

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.

More on credit card statements

Using your credit card

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.

    Change your PIN or get a reminder

  • If you’ve got a contactless card, you can make secure payments of up to £100, 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.

    More about mobile payments

  • 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.

    More about online shopping

  • 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

    • If you’re using a credit card, double check that it’s been activated and follow the instructions on the sticker if it hasn’t. 

    You have a card freeze in place

    • This is when you have applied a temporary card freeze on our app or by calling us. If you’re registered on the app, please check to see if you’ve applied a card freeze, or you can call us on 0345 944 4555. Lines are open 8am – 8pm, seven days a week.

    You’ve reached your agreed credit limit

    • That’s the total amount of money you can borrow on your credit card at any one time. You may have reached it, or your transaction may have taken you over it. You can learn more about your credit limit on our website, app or by calling us on 0345 944 4555. Lines are open 8am – 8pm, seven days a week.

    Your card has expired

    • Double check the expiry date. We’ll send you a new card before the last week of your expiry month. If you haven’t received it, please give us a call on the number below. 

    You’ve reached your daily cash machine withdrawal limit

    • We set a daily withdrawal limit of £500 and you may have reached it. It’s also worth knowing that other lenders and cash machine operators can set their own limits as well. Learn more about your 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

    • It’s worth checking that your name and address details match our records. If you need to update any details, you can find out how to do it on our manage your details page.

    Wrong CVV number

    • This is the 3 digit number on the back of your card. You’ll always be asked for it if you pay for something online or over the phone. Double check that you’ve entered it correctly. 

    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.

    More on balance transfers

  • 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.

    More on money transfers

  • 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.

    More on using cards abroad

  • 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.

    More on cash advances

Managing your credit card online

Mobile Banking app

Join our 7 million app users.

  • Simple and secure sign in.
  • Stay up to date with notifications.
  • Chat to our Virtual Assistant.


More about our app

QR code to download our Mobile Banking app

Online Banking

Sign in to view or manage your accounts on our website.

Sign in now


Register for Online Banking

Mobile Banking app

Join our 7 million app users.

  • Simple and secure sign in.
  • Stay up to date with notifications.
  • Chat to our Virtual Assistant.

Download app

More about our app

Online Banking

Sign in to view or manage your accounts on our website.

Sign in now

Register for Online Banking

Money worries

We’re here if you need support

If you’re ever finding it difficult to make credit card payments, please let us know so we can help.

Help with money worries

Reducing the cost of your credit

If you are paying more in interest, fees and charges than you are paying back, you may be in persistent debt. 

Help with persistent debt

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