Research from the financial company found that shops make 29 per cent more refunds on credit cards than any other month.
Mr Stannard said: "Other than those rights afforded under the Sale of Goods Act, credit card users have additional protection on their purchases.
"Under section 75 of the consumer credit act, if the retailer refuses to issue a refund for faulty goods, for example if the shop has gone bust; the credit card company is equally liable for faulty purchases valued at over £100 and under £30,000."
Halifax is part of the HBOS group, which offers a number of financial products, including investment and insurance advice, to consumers across the UK through its brands.
Click here to run an energy price comparison, and see if you could be paying less for your gas and electricity.