Credit Cards
If you were unable to repay the balance in full or switch to another provider by the 18th June 2010 and you were up to date with repayments of or no more that one monthly payment in arrears, your credit card agreement was amended to provide for an alternative credit card repayment arrangement. You will have received a letter explaining this arrangement. Since the 18th June 2010 all credit cards have automatically been deactivated and you are no longer able to use your credit card to conduct any further transactions in point of sale outlets, ATM machines or on-line. Your credit card has been blocked and your credit limit has been removed.
If transactions that you have made are posted to your account after 18th June 2010, they will be added to any outstanding balance on your account. Your credit card agreement with us will remain in place until all amounts owing to us have been repaid.
You may have used your credit card to pay for ongoing services e.g. toll charges, TV subscriptions, utility bills etc. These payments have since 18th June 2010 been returned unpaid and will continue to be returned unpaid. You must now make new arrangements to pay for these services.
How do I find out information about my Credit Card for instance current balance, settlement figures or interest rate?
You can call us on 1890 882 700 if you have any query on your Credit Card account. Our opening hours are Monday to Friday 9:30am to 5:30pm.
My contact details have changed, what should I do?
It is important to let us know if your contact information has changed since you took out your Credit Card e.g. home address or mobile phone number. To update your details, or for general account enquiries, please call us on 1890 882 700.
I am having financial difficulties and may not be able to meet my monthly Credit Card payment. Who should I call?
If you are concerned that you will have trouble paying your credit card payment or have already missed payments, please call us on 1890 882 701 between Monday to Friday 9:30am to 8.30pm, and Saturday 10:00 am to 2:00pm to notify us of your situation or find out more about the options available to you.
How can I repay my credit card balance?
If you have moved on to the Amended Credit Card Option repayment arrangement, there are a number of payment options available to you to make your fixed monthly repayment amount or make any additional payments, for example by direct debit, standing order, giro or by cheque. Please refer to the back of your monthly statement or read the Ways to Pay section.
I have a credit balance on my credit card, how can I access my funds?
If you have a credit balance on your account, please call us on 1890 882700 and we can arrange for your funds to be sent to you. Please have your BIC and IBAN details available when you call us which can be found on the top of your current account statement.
Government Stamp Duty Charges
We are obliged under Irish law to collect €30 Irish Government Stamp Duty on all cards in the financial year including from all customers on closure of their accounts. On the 1st April 2010, you paid €30 GSD for the year 2009/10. As your account remained open after this date, your account was debited with €30 GSD due for the year ending 1st April 2011. No further GSD will be collected from your credit card account. If you open a new credit card account with another provider between 2nd April 2010 and 1st April 2011, please call us to request a GSD waiver letter which you can give to your new credit card provider to avoid paying GSD on your new credit card in April 2011. Please note that this waver only applies if you open a credit card with an alternative provider on closure of your credit card account. If you have a second credit card account, you will be liable for two payments.
From the 1st January 2011 your Halifax Credit Card Agreement will be with Bank of Scotland plc. Your Credit Card Agreement will continue under the current terms and conditions and all outstanding amounts have been repaid or you decide to repay it early.
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