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How to pay your credit card
You can make payments online, by phone, in branch or by post. The choice is yours.
Our guides
Get set up online
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If you're not registered for Online Banking, you can visit us in branch or call us. You can also pay by post.
You’ll need your 16-digit credit card number if you call us.
Let’s take a closer look
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- You can make payments to your credit card account at any time. You do need to pay at least the minimum amount shown on your statement each month.
- If you can't pay the whole statement balance, it's a good idea to pay as much as you can. It may help to keep any interest costs down.
- If you only make the minimum payment each month, it will take longer and cost you more to pay off your balance.
- If you miss a payment, you are likely to be charged a late fee and damage your credit rating. You could also lose any promotional rates on your credit card and have to pay the standard interest rate instead.
- Set up a regular Direct Debit payment and we’ll automatically claim your selected payment amount when it’s due.
- If a Direct Debit isn’t taken for 37 months, it will become inactive, and your bank or building society will remove the details from their systems. If this happens, you’ll need to set up a new one.
- You can also make payments in other ways. For example, from a bank account, with a debit card, by cheque or with cash at a branch. You can do this even if you have a Direct Debit set up.
- If you choose to make one-off payments, make sure the method you use will get your payment to us on time.
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If you miss a payment you could lose any promotional rates which apply to your account. If that happens, your standard account interest rates and fees will apply. You could also receive late fees and charges. Missing a payment may also affect your credit score and your ability to borrow in the future. That means it’s important to keep track and manage your account well.
It’s important that you make at least the minimum payment shown on your statement each month. This payment need to reach your account by the due date.
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.
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You can change your payment due date to better suit your needs. For example, if you usually receive your salary later than your due date falls.
The fastest way to do this is through our Mobile Banking app or Online Banking on a laptop or desktop computer.
- On the Mobile Banking app, from your credit card account summary select the 3 dots, scroll to Manage Account. Select Change payment due date to begin.
- To use Online Banking, sign in or register to get started. From your credit card account summary, select ‘More actions’, then ‘Paying your credit card’. Here, select ‘Request payment due date change’.
Just be aware, your change may apply to a future payment, rather than the next one, depending on when you make your request.
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Different rates of interest could apply to different parts of your balance, and whether the standard variable rate or a promotional rate applies.
What's your standard variable rate?
Your standard variable rate is the rate of interest you pay when you have no promotional offers in place. It’s also the rate you’d go back to paying after a promotional rate ends. You can find your current standard variable rates on your monthly statement.
Find out more about interest rates
What's a promotional rate?
Promotional rates are offered for a fixed period of time. For example, a 0% offer rate of a rate lower than your standard interest rate.
Find out more about promotional interest rates
You can check the rates that apply to your account balance on your latest credit card statement. You can view your latest statement using Online Banking, the Mobile Banking app, or on your latest printed statement if you receive them.
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When you make a payment, we’ll pay off what you owe in this order:
- Overdue amounts carried over from previous statements.
- Existing balances on your current statement, starting with the highest rate of interest first.
- Any new transactions not yet showing on your current statement.
Please note: If you’re in persistent debt, we may apply your payments differently.
Why do we pay off higher rate balances first?
To help reduce the amount of interest you’ll pay overall, we’ll pay off balances on your current statement with a higher rate of interest first. Even if you have a lower rate promotional offer that’s coming to an end soon.
What about different balance types with the same interest rate?
If you have more than one balance type with the same interest rate, we'll pay off what you owe in this order:
- Cash transactions.
- Card purchases.
- Balance and money transfers.
- Default fees, including interest and other charges added.
What about multiple offers of the same interest rate and the same balance type?
Multiple offers of the same interest rate and the same balance type will be paid off in the order you took them out, not the order in which the offers will end.
For example:
You take out a 12 month Money Transfer offer, which we’ll call ‘Balance A’. Then 3 months into this offer
you take out a new 6 month Money Transfer offer, which we’ll call ‘Balance B’.Any payments you make to your credit card will be used to pay off Balance A. This is because you took
out that offer first – even though the offer on Balance B will end sooner.You’ll start to pay off Balance B if:
- You completely clear Balance A, before Balance B ends; or
- The promotional rate on Balance B comes to an end, taking the rate of interest back up to a higher rate than Balance A.
So, it’s always worth checking the ‘Breakdown of your balance’ section on your monthly statement to make sure you know which balances your payments will be going towards.
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When setting up a Direct Debit, you can choose to:
- make the minimum payment
- clear the full balance
- or set a fixed amount.
You can make extra payments at any time to reduce your balance and any interest costs. It’s important to understand how we charge interest and when it applies, especially if you’re planning to pay off your balance in full.
Because interest is calculated daily and charged to your credit card statement when it’s produced each month, you may need to pay an amount of ‘residual interest’. It’s a little complicated. To help, we’ve created a short guide to explain paying your credit card balance in full.
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You can send us a cheque by post. Please don’t send cash.
Make your cheque out to Halifax and remember to write your name and credit card number on the back. Send your completed cheque to:
Halifax Card Services
PO BOX 109
Sheffield
S98 1GE
If you’re posting a cheque, please allow at least 7 working days for it to reach your Halifax credit card account.
We don’t accept cheques made out for a date in the future (post-dated). These are usually returned. This can result in a missed payment and fees.
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