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:

Balance Transfers: 0% for the first 9 months on balance transfers made in the first 90 days
(3% fee).

Purchases: 0% for the first 9 months

Long term APR (Standard typical rate): Typical 15.9% APR (variable)

Cash Advances (withdrawals): 27.95% APR variable

Minimum Repayment: 1% or £5 (whichever is greater)

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.

Payments you make will be applied to your account in the following order: If you do not pay off your balance in full Halifax will allocate your payments to balances with the lowest interest rate before balances with higher interest rates.

Annual Fee: no

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

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