Halifax Credit Cards

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About Halifax Credit Cards

Halifax is one of the leading credit card providers, offering a range of cards having competitive 0% deals on the balance purchases and transfers. Its FlexiCard offers an APR of 6.4% and is one of the most popular credit cards in the market being a low rate card, while the Clarity Card is considered as the best option for overseas spending. If the user completes the balance transfer within the first 90 days of account opening, then he will just have to pay a balance fee of 2.5%, after this it will go high just to 3% which is a standard for the market. With the Balance Transfer & Purchase credit card from Halifax, you also get a 0% on purchases within the first 3 months.

The Credit Cards Offered by Halifax

Customers of the Halifax Balance Transfer & Purchase credit are protected from fraud online and are able to manage the balance of the credit card using both online and mobile banking. You can easily track down payments, which also helps you avoid the £12 charges if you have a late payment or go over your credit limit.

The Core Features of Halifax Credit Cards

  • A variable annual purchase rate of 19.95% p.a.
  • Representative APR 19.9%
  • Introductory balance transfer fee of 3%
  • Online fraud cover
  • Control over your balance with mobile and online banking
  • 0% on balance transfers for 24 month
  • No fees for using card anywhere worldwide
  • No fees for withdrawing cash

The Benefits of Halifax Credit Cards

  • Cut your credit card interest bill
  • Make faster payments to your card
  • Pay with your mobile phone
  • Halifax cards are widely accepted

How does it work?

Just visit the Halifax’s official website and you will see a range of credit cards available. You can choose the one as per your needs. They have included eligibility checker in the website that lets you know your eligibility for your chosen cards within seconds. The application takes 1 minute and 45 seconds, on average, to complete. Once you select the card and you are eligible, you can follow the simple steps given.

Fill the application form accurately as Halifax matches what you enter against national credit search databases. Any discrepancies can result in a delay in getting approved, or the rejection of your application.

Halifax will consider your credit record, current levels of borrowing and other criteria and decide whether to offer you a card. You may get the deal you applied for or a higher interest rate or shorter 0% period. Most applicants get an instant decision, but sometimes an application is forwarded for manual review which can take a few working days.

You can use live chat option, phone call and email to talk with the representatives.

The Final advice

Halifax credit cards are great choice for people looking for affordable and highly flexible instruments. Whether you need a card for daily spending or a big purchase or to transfer the balance, Halifax has great rates. Their application process is quick, and easy with straight forward eligibility criteria that make Halifax an excellent choice if you’re looking for a new credit card.