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This Halifax credit card gives you 32 months interest-free, for a low 0.7% fee.
Plus, apply by 31 March and transfer at least £100 and you'll get £20 cashback.
- To be eligible for the cashback, apply by Fri 31 Mar and transfer at least £100 within 90 days of account opening.
- The cashback will be paid to your card account within 60 days of transferring your balance.
- If you don't have the best credit rating, you might still get the card, but be given 18 months 0%, which isn't as good a deal.
- You must transfer your balance in the first 90 days to get the 0% deal. Transfers made after this time will pay 18.9% APR and a 3% fee (min £3).
- After the 0% period ends, any debt left on the card will start to accrue interest at 18.9%
APR (some people who get the card will be given APRs of 21.9% or 25.9%). Either pay off in FULL before interest hits, or, if you can't, do another balance transfer.
- You can't transfer from other Halifax cards. However you can transfer from Lloyds and Bank of Scotland, which are also owned by Lloyds Banking Group.
- Balance transfer length & fee: Up to 32 months, 0.7% fee
- 0% balance transfer time limit:First 90 days
- Minimum payment:
Greater of 1% of balance plus interest, or £5
- Min income: N/A | Card issuer: Mastercard
A nonsense piece of regulation means we have to tell you if you were to spend £1,200 at an annual interest rate of 18.95% (variable) your Representative APR would be 18.9% (variable).
Unlike applying, which usually leaves a hard search on your credit file and can hurt your future credit worthiness,
our eligibility calculator uses a soft search. We use this to find out how likely you are to be accepted.
You see the soft search on your credit file, but lenders don't, so it has no credit impact.
Use this calculator to home in on the card you're most likely to get.
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