0% Balance Transfer
Move debt from other cards. Usually a transfer fee applies. Works only if you can clear in the 0% window.
Fresh Start Debt Support
Searching for Halifax credit card info because payments are heavy? Get clear guidance on fees, rights and safer alternatives like IVA, DMP and DRO that can freeze interest and stop most enforcement once approved.
✅ Start Free Debt CheckMost search because they’re comparing 0% deals or their Halifax card balance is growing. If you’re only clearing interest, receiving persistent debt letters, or worried about missed payments, you need options that fit your budget—not just another card. This guide explains Halifax-specific risks (fees, cash advances, right of set-off, Section 75), then shows how to use an IVA, DMP or DRO to stabilise things.
Check If I Qualify for IVA/DMP/DROMove debt from other cards. Usually a transfer fee applies. Works only if you can clear in the 0% window.
Spread new spending for a set time. Best if you’ll pay off before the promo ends.
Cash advances often incur a fee and interest from the day you withdraw—even during 0% purchase periods. Use sparingly.
After the 0% window, balances usually revert to the standard APR. Set a reminder one month before the end date.
If, for 18–36 months, you pay more in interest/fees than off the balance, Halifax must contact you under FCA persistent debt rules. If their plan is unaffordable, a DMP or IVA could freeze interest and reduce pressure.
Eligible purchases £100–£30,000 may be protected. Start with the retailer; if unresolved, raise it with Halifax. See the FCA on credit card protections.
Unhappy with the outcome? You can escalate to the Financial Ombudsman Service. If you’re in financial difficulty, ask Halifax for forbearance while you arrange a plan.
If you bank with Halifax and fall behind on your Halifax credit card, the bank may offset money from your current/savings account towards arrears. See StepChange on right of set-off. Many people route their wages to a different bank while setting up a plan so essentials are covered.
Talk Through a Safe PlanThese options focus on what you can genuinely afford and often freeze interest once approved:
Not sure which suits? We’ll compare everything side-by-side and explain trade-offs in plain English.
Compare My Options (Free)Answer two questions to see likely routes:
Estimate how long repayments might take without help, versus using a formal solution:
Promotions change frequently. Always check live details on the official Halifax credit cards page. If you won’t clear in time, see alternatives.
It can be, only if you’ll clear within the offer window and won’t add new spending. If not, a DMP (often with frozen interest) usually wins over the long term.
You may face late fees, interest and credit-file damage. Ask Halifax for temporary help and consider Breathing Space while you set up a plan.
For eligible purchases £100–£30,000 you can claim from Halifax if the retailer breaches contract or misrepresents. See the FCA’s credit card protections.
They may use right of set-off. Consider paying income into a different bank until you’ve agreed a plan. Read StepChange guidance.
Yes, but ongoing arrears are usually worse. These solutions stop the spiral and you can rebuild after completion. See our guides: DMP, IVA, DRO.
Generally yes—most unsecured debts (cards, loans, overdrafts, BNPL) can be included. We’ll check each creditor.
No—charities like StepChange assess affordability, not your score.
Use these alongside our free support so you know your rights and the safest route forward.
Get My Free Debt CheckIf you can’t clear your balance in the 0% window—or you’re already missing payments—switching cards won’t fix the root cause. We’ll help you freeze interest, stop most enforcement and choose a plan that fits your budget, free and without pressure.
✅ Start My Free Debt Check