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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
Using your credit card
It’s useful to understand how a credit card works, and all the ways you can use one.
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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.
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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. -
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.
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We know how frustrating it can be to get your card declined. Our guide can help you understand why this might have happened.
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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.
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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.
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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.
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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.