Credit cards Updated:
Halifax has introduced a number of changes to its popular All in One Online Credit Card, offering highly competitive introductory 0% interest offers on purchases and balance transfers.
Cardholders can now take advantage of an introductory 0% interest on all purchases and balance transfers for 15 months.
All new customers will pay a balance transfer fee of just 1% as a result of Halifax refunding two-thirds of the 3% balance transfer fee.
This card has a variable representative APR of 17.9% and charges no annual fee.
According to Halifax, cardholders who switch to the All in One Online card could potentially save themselves around £317 over a 15-month period, based on a typical balance transfer amount of £2,000*.
Cardholders must remember, however, to transfer their balance within the initial 90 days of taking out an All in One credit card and that the balance transfer will be charged at the standard interest rate and fee after the first 90 days.
Failure to make the required monthly minimum payments on time or exceeding the credit limit will also result in cardholders losing the 0% interest rates for both purchases and balance transfers.
* From a card charging 17.9% APR (variable), with 0% for 15 months and an effective 1% balance transfer fee.
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