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This Halifax card offers the joint-longest 0% balance transfer. However, some people with lower credit scores accepted for this card won't get the full 43 months at 0% - some will get 21 months instead.
- You'll initially be charged a 3.5% fee, which will be refunded down to 2.98% within 90 days.
- You must do the balance transfer within 90 days to get the 0% offer and reduced fee. Transfers made after this time will pay 18.9% rep APR and a 3% fee.
- We say 'up to' 43 mths as some may get 21 mths 0% depending on credit score.
- 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.
- After the 0% period ends, it’s 18.9% interest, but poorer credit scorers will get 21.9% or 27.9%.
- Always pay the monthly minimum payment or you'll get a penalty for late payment and a mark on your credit file.
- Don't withdraw cash on this. It usually isn't at the cheap rate and cash withdrawals hit your credit file.
- Balance transfer length & fee: up to 43 mths 0%, 2.98% fee
- Card issuer: Mastercard
Min repayment: Greater of 1% of balance plus interest or £5
- Any restrictions? Must transfer in the first 90 days
- Min income: N/A
- Will I get the full 0%? Not necessarily. Some poorer credit scorers will get 21 months.
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).
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