Halifax Credit Card Review

Published on 19 August 2010 by Raffick Marday

Halifax Credit Card Review

If you are looking for a low balance transfer credit card then the Halifax All In One Credit Card could be the card your looking for. The Halifax All In One Credit Card offers you one of the 0% APR rates for a fixed period on both balance transfers and purchases and a small balance transfer fee.

Who can apply for this credit card?

You must be over 18, a UK resident and have a landline phone number to get a Halifax MasterCard credit card. We recommend you have your salary, banking and employment address details to hand to avoid any delays in applying.

The online application form takes a five minutes to complete with an easy step by step instructions and as you would expect secure website protection, make sure you have all the details with you as the application will ask you your personal details, details about your work, what type of card you want and finally confirm the legals, terms and conditions.

What benefits do you get with your Credit Card?

No interest will be charged on purchases if every statement balance is paid in full by the payment date

and as MasterCard is accepted at over 28 million locations around the world wherever you see the MasterCard sign. In addition you get free cover against online fraud when purchasing on the Internet

What are the default charges?

Halifax credit card charge £12 for going over your credit limit, paying late, or payments that bounce.

What is the minimum payment each month?

If the balance is less than £5 then you must repay the full amount. If the balance is £5 or more, you must repay the greater of 1% of the amount you owe us or an amount equal to the total of any Credit Card Repayments Cover premiums, Interest (or the minimum interest charge), overlimit and late payment fees plus £5.

If you only make the minimum payment it will take longer and cost you more to clear your credit card balance. You can avoid additional charges by staying within your credit limit and ensure that your payments are received on time.

What is my credit limit?

They will choose your credit limit and tell you what it is. They may vary it at any time and write to let you know. The minimum credit limit that you can have under this agreement is £500.

Where do I make a complaint?

If you would like to make a complaint about your Halifax credit card, you can call them on - 08457 28 38 48 - 24 hours a day, 7 days a week. They have procedures in place which will make sure they handle your complaint fairly and quickly. However if you are not satisfied with the outcome of your complaint you can write to Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR.


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