Halifax All In One Credit Card

A very simple concept, instead of having a multitude of different cards with different configurations why not bring all the offers onto a single card. This is what Halifax have done with the all-in-one credit card. Great introductory rates for both balance transfers and purchases.

Type: MASTERCARD
Online application and management

Introductory offers:

REPRESENTATIVE EXAMPLE
Long term APR (Standard typical rate):
17.9% representative APR variable
17.95% p.a. variable on purchase
based on a £1,200 credit limit
*The majority of customers will be offered the best rate of 17.9% APR representative (variable) and 0% for 15 months on balance transfers and purchases. Other customers will receive a 0% introductory offer of 13 or 11 months.

Balance Transfers: 0% for the first 15 months on balance transfers made in the first 90 days
(3% fee).

Purchases: 0% for the first 15 months

Cash Advances (withdrawals): 27.95% APR representative variable

interest free period: Interest is charged on purchases and cash advances from the date of the transaction and for cheques, balance transfers and all other amounts from the date first charged to your account. However, if you pay your total balance in full and on time each month, you will not be charged interest on purchases. If you do not pay the total balance shown on your statement each month, interest is charged to your next statement balance.

Annual Fee: no

Minimum Repayment: Each month in which you have a balance outstanding on your account you must repay an amount equal to the total of any Credit Card Repayments Cover premiums, interest, default sums plus 1% of the balance shown on your statement (minimum £5, or the full balance if less than £5).

Allocation of payments: We use any payments you make to pay off transactions that appear on your statements starting with those on which we charge interest at the highest rate. We will then pay off transactions on which we charge interest at the next highest rate and so on down to the lowest rate of interest. If the payment is not enough to pay off all transactions at a particular interest rate, we will pay off transactions charged at that interest rate in the order:- cash advances, cheques, purchases, balance transfers and default sums. If you pay more than the amount due shown on your statement, we will use any remaining payment to pay off transactions that have not yet appeared on your statement in the same order as those that do appear on your statement. In this condition, "transaction" includes the amount of the purchase, cash advance, cheque, default sum or balance transfer plus any interest, fees or insurance payment charged as a result of that transaction. For example, a cash advance fee is included as part of a cash transaction.

Fee's:
Cash, balance transfers and cheques: 3% (min. £3)
Overseas transactions: 2.95%
Copies of statements: £5.00
Copies of transactions: £5.00

Default charges

Late payment fee: £12
Over credit limit fee: £12
Returned payment: £12

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Other Facts:

Cover against online fraud when

purchasing on the Internet

Card replacement if lost

Up to 59 days interest free credit on all purchases if you pay

off your balance in full each month

No annual fee

Manage your card online

Around the clock service

Accepted wherever you see the MasterCard sign in over 24 million locations worldwide

Additional cards available

You can Protect your credit cards with our comprehensive cover plans