Halifax Easy Rate Credit Card

Halifax offer a large range of credit cards with configuration options to suit a wide variety of circumstances. This is their low rate card and offers a class leading long term rate.

Type: MASTERCARD
Online application and management

Introductory offers:

Balance Transfers: Typical 6.9% APR representative variable

Purchases: Typical 6.9% APR representative variable

Long term APR (Standard typical rate): Typical 6.9% APR representative variable

Cash Advances (withdrawals): 27.95% APR representative variable

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

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 Advance Fee 3% (minimum £3)
Foreign Exchange Commission 2.95%
Balance Transfer Fee N/A
Cheque Fee 3% or minimum £3 (on promotional rates except introductory offer)
Minimum Interest Charge 50p (in any month where interest charge is between 1p and 50p)
Copy Statement Fee £5
Statement Date Change Fee £5
Processing any foreign currency payment to us £10
Stopped Cheque Fee (Other than lost or stolen) £10
Default Charges Late Payment Fee £12
Overlimit Fee £12
Returned Payment Fee £12

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Other Facts:

Choice of 5 card colours
• Cover against online fraud when purchasing on the Internet
• Card replacement if lost
• No interest on purchases if you pay your balance in full and on time 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 comprehensive cover plans