How to cancel a Halifax credit card?

Have a Halifax credit card that no longer suits your needs? You’ll need to know how to cancel it.

In this guide, we’ll walk you through how to cancel a Halifax credit card in the UK. This includes how to pay it off and a step-by-step guide to closing your credit account with the bank. We’ll also cover temporarily deactivating your card, just in case it’s lost or stolen.

And, if you’re looking for a new card, especially for spending outside the UK, check out the Wise debit card. It’s a debit card designed for making low-cost payments and ATM withdrawals both in the UK and abroad.

Learn more about the Wise debit card

Please see the Terms of Use for your region or visit Wise fees & pricing for the most up-to-date information on pricing and fees.

But for now, let’s get that Halifax credit card cancelled for you.

Reasons for cancelling a Halifax credit card

There are lots of reasons you might want to cancel your Halifax credit card. This includes:

• Finding a new or better deal at another UK bank
• No longer needing to use a credit card - for example, you used it to spread the cost of a large purchase, which has now been paid off.
• An attractive time-limited offer coming to an end
• Your card is lost or stolen.

What you should know and do before cancelling your credit card with Halifax?

If you get statements for your credit card online, you’ll need to save or print copies before contacting Halifax to cancel the card. Once the account is closed, you won’t be able to access them.

You should also be aware that you’ll need to continue making payments if you have an outstanding balance. If your account is in credit, you can cancel payments and contact Halifax to arrange a refund.

How to pay off your Halifax credit card balance?

Prefer to clear your balance before cancelling your card? There are a few ways you can pay Halifax for any credit card debt outstanding, including:¹

• Letting an existing Direct Debit carry on running
• Using online banking or the Halifax app
• Using a bank account or debit card.

You can also contact Halifax to pay off credit card balances on your account. You can call 0345 944 4555 or visit your local branch.

How to cancel a Halifax UK credit card online, over the phone, or by post?

Unfortunately, you’re unable to cancel your Halifax credit card online.

There are two main ways you can close a Halifax credit card account, so you can choose whichever method works best for you.

By phone

You can cancel a Halifax card simply by calling the bank. Follow these steps:²

1. Firstly, make sure you have your 16-digit credit card number handy
2. Call 0345 944 4555 (available 8am to 8pm, 7 days a week)
3. Speak to an advisor, who’ll guide you through the steps to cancel your card.

By post

If you prefer, you can also send a letter to request the closure of your credit card account. Here’s what you need to do:²

1. Write a letter requesting to cancel your Halifax card
2. Include your name, date of birth, phone number, email address and 16-digit credit card number
3. Make sure you sign the letter
4. Post it to: Lloyds Banking Group PLC, Credit Card Operations, BX1 1LT.

This method is a bit slower, as you’ll need to wait for your letter to be delivered and processed. But it could be preferable to some, as the request will have been made in writing.

How to temporarily deactivate your Halifax credit card online if it’s lost or stolen?

If your Halifax credit card is stolen or lost, your first instinct might be to cancel it.

You can if you like, but there’s also another method which can put a temporary freeze on it. This can be useful if you’ve lost it, giving you time to find the card. But it also prevents unauthorised people from using your card.

The easiest way to temporarily deactivate your card is in the Halifax mobile banking app. Simply follow these steps:³

1. Sign in to the app
2. Select ‘Manage card’
3. Choose ‘Card freezes and limits’ and select the card you want to freeze
4. The card is frozen immediately, but you can unfreeze it if you find your card.

If it’s certain that your Halifax credit card has been stolen or you definitely can’t find it, you’ll need to cancel it right away. You can do this by filling in a short form on online or mobile banking, or calling Halifax.

How to reactivate a lost Halifax credit card?

If you manage to find your lost Halifax card, you can simply head back into the mobile app and unfreeze it using the steps above.

If you’ve cancelled it though, you won’t be able to reactivate it. You’ll need to open a new account with Halifax.

How to securely dispose of a cancelled Halifax credit card?

Once your credit card has been cancelled, you’ll need to dispose of it properly. The easiest way to do this is to cut or shred it, making sure that the chip is destroyed. Then, dispose of the pieces in separate bins.

FAQ

How long does it take to close a Halifax credit card?

Halifax doesn’t say how long it takes for a card to be cancelled once the initial request has been made. But it’s likely that the quickest way to do it is by phone, where a customer service representative can cancel the card there and then.

Is there a penalty for closing a Halifax credit card?

Halifax doesn’t have any fees or charges related to closing a Halifax credit card. However, you may still face charges if you don’t keep up with repayments on an outstanding balance.

Can I close a Halifax credit card and keep paying on it?

If you have an outstanding balance, you’ll need to pay it off in full before your credit record will be updated.² You can continue to make regular repayments once your card is closed, or you can make a one-off payment to clear the balance.

After reading this, you should have all the info you need on how to cancel a Halifax credit card. It’s pretty easy to do, especially if you call the bank. You’ll just need to make sure you download your statements from online banking first, and have your card number to hand.

Ready for a new card, perhaps for an upcoming trip? Some credit cards can be great for travel, but they aren’t always the cheapest.

The Wise debit card is a great alternative. It’s not a credit card, but it is tailor-made for travel.

It automatically converts your pounds to the local currency when you spend abroad, for just a tiny currency conversion fee. And you’ll always get mid-market exchange rates, with no costly margin added on top.

Register with Wise today

Please see the Terms of Use for your region or visit Wise fees & pricing for the most up-to-date information on pricing and fees.

Sources used:

Sources last checked on date: 11-Jul-2023