Halifax 0% PURCHASE Credit Card for 30 Months, (2 & Half Years)! - HotUKDeals
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Halifax 0% PURCHASE Credit Card for 30 Months, (2 & Half Years)!

£0.00 @ halifax bank
Props to MSE. This is a credit card that allows you to buy items on it for 30 months without any interest being added. NOTE: You must make a minimum repayment of 1% of the statement balance each… Read More
herby247 Avatar
3m, 1w agoFound 3 months, 1 week ago
Props to MSE.

This is a credit card that allows you to buy items on it for 30 months without any interest being added.

NOTE: You must make a minimum repayment of 1% of the statement balance each month before the due date, otherwise you will be hit with full interest charges

- whatyadoinsucka

TCB now offer £21 cashback on accepted application
- eldaniel
More From halifax bank:
herby247 Avatar
3m, 1w agoFound 3 months, 1 week ago
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Top Comments

(5)
124 Likes
MRGRINGO
or just don't get it and save yourself long term financial hassle and stress. "save up" and live within your means.
Use it right and it is living within your means, this is the internet not nursery.
54 Likes
or just don't get it and save yourself long term financial hassle and stress. "save up" and live within your means.
28 Likes
HantsShopper
Trouble with these deals is they encourage people to take out more debt. OK if you're strong willed/sensible enough not to get carried away otherwise clear your credit card monthly.
Not so, perhaps you want to make a bigger purchase, and need the item just now, kitchen, bathroom, even a car, whatever, this allows you to make that purchase and not be hammered with the high apr of a loan or car finance.
26 Likes
MRGRINGO
or just don't get it and save yourself long term financial hassle and stress. "save up" and live within your means.

If you're sensible you can put purchases onto such cards and earn interest on the money you would otherwise have going straight out of your account.
These cards are great as an interest free repayment option for big purchases.
16 Likes
Trouble with these deals is they encourage people to take out more debt. OK if you're strong willed/sensible enough not to get carried away otherwise clear your credit card monthly.

All Comments

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1 Like #1
Isn't it slightly over 900 days?
1 Like #2
Although only 51% of applicants will get that deal though. Two chamber Russian roulette.
2 Likes #3
Now that's what I call a credit card.

Great find.
3 Likes #4
Good time for this card to come. My barclaycard free interest period is coming to an end. Wish there could be some cash back for joining.
54 Likes #5
or just don't get it and save yourself long term financial hassle and stress. "save up" and live within your means.
16 Likes #6
Trouble with these deals is they encourage people to take out more debt. OK if you're strong willed/sensible enough not to get carried away otherwise clear your credit card monthly.
28 Likes #7
HantsShopper
Trouble with these deals is they encourage people to take out more debt. OK if you're strong willed/sensible enough not to get carried away otherwise clear your credit card monthly.
Not so, perhaps you want to make a bigger purchase, and need the item just now, kitchen, bathroom, even a car, whatever, this allows you to make that purchase and not be hammered with the high apr of a loan or car finance.
124 Likes #8
MRGRINGO
or just don't get it and save yourself long term financial hassle and stress. "save up" and live within your means.
Use it right and it is living within your means, this is the internet not nursery.
26 Likes #9
MRGRINGO
or just don't get it and save yourself long term financial hassle and stress. "save up" and live within your means.

If you're sensible you can put purchases onto such cards and earn interest on the money you would otherwise have going straight out of your account.
These cards are great as an interest free repayment option for big purchases.
2 Likes #10
herby247
HantsShopper
Trouble with these deals is they encourage people to take out more debt. OK if you're strong willed/sensible enough not to get carried away otherwise clear your credit card monthly.
Not so, perhaps you want to make a bigger purchase, and need the item just now, kitchen, bathroom, even a car, whatever, this allows you to make that purchase and not be hammered with the high apr of a loan or car finance.
financing a large purchase is one thing and yes, i agree, cards are useful then. But all too often they are used to clear outstanding debts elsewhere and then the debts will be built up again. I've seen it happen many times.
5 Likes #11
Westwoodo
MRGRINGO
or just don't get it and save yourself long term financial hassle and stress. "save up" and live within your means.
Use it right and it is living within your means, this is the internet not nursery.


yeah for sure. but with a promise of 30months of interest free purchases its aimed at people who will gain debt...not putting the monthly shopping and fuel on then paying it off at the end of the month. its tailored to encourage debt, not to spend wisely.
1 Like #12
herby247
HantsShopper
Trouble with these deals is they encourage people to take out more debt. OK if you're strong willed/sensible enough not to get carried away otherwise clear your credit card monthly.
Not so, perhaps you want to make a bigger purchase, and need the item just now, kitchen, bathroom, even a car, whatever, this allows you to make that purchase and not be hammered with the high apr of a loan or car finance.


yeah I see what your saying but 10k on a car or kitchen for 30months?
2 Likes #13
K1LLER_HORNET
MRGRINGO
or just don't get it and save yourself long term financial hassle and stress. "save up" and live within your means.

If you're sensible you can put purchases onto such cards and earn interest on the money you would otherwise have going straight out of your account.
These cards are great as an interest free repayment option for big purchases.


yep for the truly dedicated I think that's a really good example.
#14
herby247
HantsShopper
Trouble with these deals is they encourage people to take out more debt. OK if you're strong willed/sensible enough not to get carried away otherwise clear your credit card monthly.
Not so, perhaps you want to make a bigger purchase, and need the item just now, kitchen, bathroom, even a car, whatever, this allows you to make that purchase and not be hammered with the high apr of a loan or car finance.

years ago i tried to buy a car using part cash and part CC, the most the garage would accept on CC was £300 due to fee's by the CC company
1 Like #15
MRGRINGO
or just don't get it and save yourself long term financial hassle and stress. "save up" and live within your means.


Or use it, keep your cash in bonds etc, hope for a return then pay it off and have some surplus
4 Likes #16
MRGRINGO
herby247
HantsShopper
Trouble with these deals is they encourage people to take out more debt. OK if you're strong willed/sensible enough not to get carried away otherwise clear your credit card monthly.
Not so, perhaps you want to make a bigger purchase, and need the item just now, kitchen, bathroom, even a car, whatever, this allows you to make that purchase and not be hammered with the high apr of a loan or car finance.
yeah I see what your saying but 10k on a car or kitchen for 30months?

How people choose to spend on their own personal credit card is their prerogative, the fact they can do so on this one without incurring any interest for 2 and half years, is got to be a good thing.
6 Likes #17
cainer1
herby247
HantsShopper
Trouble with these deals is they encourage people to take out more debt. OK if you're strong willed/sensible enough not to get carried away otherwise clear your credit card monthly.
Not so, perhaps you want to make a bigger purchase, and need the item just now, kitchen, bathroom, even a car, whatever, this allows you to make that purchase and not be hammered with the high apr of a loan or car finance.
years ago i tried to buy a car using part cash and part CC, the most the garage would accept on CC was £300 due to fee's by the CC company

if you have a revolut card you can transfer upto £10,000 onto it for a 1% fee and then transfer it to your bank account for free. £100 fee for £10,000 withdrawal is pretty good.
1 Like #19
woody_____
MRGRINGO
or just don't get it and save yourself long term financial hassle and stress. "save up" and live within your means.
Or use it, keep your cash in bonds etc, hope for a return then pay it off and have some surplus
Bonds. Lol. May as well just get a 3/5% interest current account. Or p2p lend it. I know bonds are risk free, but their returns are dire.
12 Likes #20
MRGRINGO
or just don't get it and save yourself long term financial hassle and stress. "save up" and live within your means.

AKA don't get married and have kids.
#21

im still waiting on £40 they and TCB owe me from last October :/
#22
Chrisrules334
woody_____
MRGRINGO
or just don't get it and save yourself long term financial hassle and stress. "save up" and live within your means.
Or use it, keep your cash in bonds etc, hope for a return then pay it off and have some surplus
Bonds. Lol. May as well just get a 3/5% interest current account. Or p2p lend it. I know bonds are risk free, but their returns are dire.

Especially as they cut the prizes yet again
#23
MRGRINGO
or just don't get it and save yourself long term financial hassle and stress. "save up" and live within your means.
I buy everything on 0% and save £200 a month, finance is worthy if you play to your gain.
#24
cainer1
herby247
HantsShopper
Trouble with these deals is they encourage people to take out more debt. OK if you're strong willed/sensible enough not to get carried away otherwise clear your credit card monthly.
Not so, perhaps you want to make a bigger purchase, and need the item just now, kitchen, bathroom, even a car, whatever, this allows you to make that purchase and not be hammered with the high apr of a loan or car finance.
years ago i tried to buy a car using part cash and part CC, the most the garage would accept on CC was £300 due to fee's by the CC company
I paid half cash half credit, £2500 each - Peter Vardy I think it was, or Reg Vardy it was then.
1 Like #25
cainer1
herby247
HantsShopper
Trouble with these deals is they encourage people to take out more debt. OK if you're strong willed/sensible enough not to get carried away otherwise clear your credit card monthly.
Not so, perhaps you want to make a bigger purchase, and need the item just now, kitchen, bathroom, even a car, whatever, this allows you to make that purchase and not be hammered with the high apr of a loan or car finance.

years ago i tried to buy a car using part cash and part CC, the most the garage would accept on CC was £300 due to fee's by the CC company


Good thing with that though is you get a guarantee/cover by the credit card company for the full amount if the car is faulty and the garage do one with the money.
#26
markda2000
Although only 51% of applicants will get that deal though. Two chamber Russian roulette.
I got accepted for it a couple months ago. I only work part time and quite an average credit score!
#27
seaniboy
cainer1
herby247
HantsShopper
Trouble with these deals is they encourage people to take out more debt. OK if you're strong willed/sensible enough not to get carried away otherwise clear your credit card monthly.
Not so, perhaps you want to make a bigger purchase, and need the item just now, kitchen, bathroom, even a car, whatever, this allows you to make that purchase and not be hammered with the high apr of a loan or car finance.
years ago i tried to buy a car using part cash and part CC, the most the garage would accept on CC was £300 due to fee's by the CC company
I paid half cash half credit, £2500 each - Peter Vardy I think it was, or Reg Vardy it was then.


That is what I am going to do this time when getting a car , although I am unsure how much the fee will be :|
2 Likes #28
neilbaldwin
cainer1
herby247
HantsShopper
Trouble with these deals is they encourage people to take out more debt. OK if you're strong willed/sensible enough not to get carried away otherwise clear your credit card monthly.
Not so, perhaps you want to make a bigger purchase, and need the item just now, kitchen, bathroom, even a car, whatever, this allows you to make that purchase and not be hammered with the high apr of a loan or car finance.

years ago i tried to buy a car using part cash and part CC, the most the garage would accept on CC was £300 due to fee's by the CC company


Good thing with that though is you get a guarantee/cover by the credit card company for the full amount if the car is faulty and the garage do one with the money.


That is a very good point and is something I will be doing as well ;)
#29
markda2000
Although only 51% of applicants will get that deal though. Two chamber Russian roulette.


I think almost everyone will get accepted but it many not be the 0℅ period that they was after ;)
3 Likes #30
Great deal for those who are resposible. But in my opinion products like these are what will make the economy & an entire generation go belly up one day. For every person who uses it & pays it off to save a little, there is a person who gets carried away ,ends up with a decade of debt & a marred credit record.
#31
I already have this card....could I possibly ring them up and ask if they can offer this to me?
2 Likes #32
manthan_ajit
I already have this card....could I possibly ring them up and ask if they can offer this to me?

Of course you can ring them up, guess what their answer will be?
1 Like #33
manthan_ajit
I already have this card....could I possibly ring them up and ask if they can offer this to me?

worth a try! Nothing to lose...
2 Likes #34
I've taken out 0% credit cards and borrowed four grand two times in 4 years which was 0% for two years. Both times I've paid my debt off within a year.

You just have to be a responsible borrower and try to pay off the debt early.




Edited By: wah0007 on Feb 15, 2017 07:53
1 Like #35
MRGRINGO
or just don't get it and save yourself long term financial hassle and stress. "save up" and live within your means.


Many people like me will be using this to borrow at 0% and invest at a higher percent. Offshore bank accounts currently pay 5-6%.
#36
Sadly I have given up trying to benift from these kind of cards. While the headline figure of 30 months looks great they only offer figures around £5k (your luck may vary). That's less than £167 per month to spend. Looking at my last 12 normal months (excluding Dec) I avarage just over £900 a month. So in reality I'd need a minimum of £27k to make it worth while. At 5k it's not only paying off the minimum each month it will be keeping track of not going over the limit. Or spend as normal and put the card away after 5 months.

When you have no outstanding debt and with interest on savings so low it's hardly worth the effort flipping credit cards.
1 Like #37
cliosport65
markda2000
Although only 51% of applicants will get that deal though. Two chamber Russian roulette.
I think almost everyone will get accepted but it many not be the 0℅ period that they was after ;)
Exactly my point :)

The rate entices you in but if you don't get it as you have already been credit checked it will reduce your chances of being accepted elsewhere.
I don't think they should be allowed to offer a card with a variable, as it is the rates that are the differentiator in buying decisions.
2 Likes #38
Now is the time to clear all your debts as a big global financial crash is on the horizon.
3 Likes #39
mastablasta
Now is the time to clear all your debts as a big global financial crash is on the horizon.



I'd say the opposite. The inflationary genie is out the bottle. You can't print £trillions via QE and not devalue the currency. I've loaded up on low interest long term debt. Once inflation fully kicks in, the repayments in 10 years time will be minimal.
2 Likes #40
ScoobyStoo
MRGRINGO
or just don't get it and save yourself long term financial hassle and stress. "save up" and live within your means.
Many people like me will be using this to borrow at 0% and invest at a higher percent. Offshore bank accounts currently pay 5-6%.
Link please? Stoooooze 8)

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