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Halifax 15 months interest free credit card

dafang982 Avatar
9y, 2w agoFound 9 years, 2 weeks ago
I went to my local branch today. They are doing interest free for Halifax Purchase Card untill Feburary 2009. Apparently it is another branch only deal from them. The online on is only for 12 months.
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dafang982 Avatar
9y, 2w agoFound 9 years, 2 weeks ago
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#1
I do apologize they do it online as well. The link is here
http://www.halifax.co.uk/creditcards/purchasebranch.asp
#3
dafang982
I do apologize they do it online as well. The link is here
http://www.halifax.co.uk/creditcards/purchasebranch.asp


This product is no longer available online. To apply for this product please visit your local Halifax branch.
#4
#5
Whats the balance transfer charge?
#6
Knowledge1973
Whats the balance transfer charge?


3%
#7
OP needs to be clear. Is this a 12 month 0% for PURCHASES or Balance transfers?!

Because one thing you dont want to do is place a balance transfer on a purchases card? and if its until Feb 2009 that doesnt make it 15 months, but more like 11, if that.
#8
jinkssick
OP needs to be clear. Is this a 12 month 0% for PURCHASES or Balance transfers?!

Because one thing you dont want to do is place a balance transfer on a purchases card? and if its until Feb 2009 that doesnt make it 15 months, but more like 11, if that.


0% for 15 months on Purchases
0% for 6 months on new balance transfers transferred now
3% handling fee on balance transfers
#9
pardon me for being an idiot, but does this card mean i can buy stuff for 15 months on credit and not incur any interest charges?
#10
Ans. 2 above - Yes,I would say so :)
#11
BargainHunter333;1429145
pardon me for being an idiot, but does this card mean i can buy stuff for 15 months on credit and not incur any interest charges?

As long as you make the minimum payment each month!
#12
i took out this offer last year with halifax, and paid for most of my wedding on it. Still have until april to pay off the bulk (£4000), but the min payments work out around £80.
#13
^^^ no!!!!!!!!

Please get your facts right before posting. You always get the 59 days, that's the time between when you receive a statement until the next one is due to be paid so in theory you could get 59 days interest free. Anything you buy now is interest free for 15 months as long as you keep your account in order (pay min payment on time, don't go over limit etc)
#14
cpdpurcell
[SIZE=7][COLOR=Red]NO!
[COLOR=Black][SIZE=4]Don't go thinking that and applying. When they say 15 months interest free it means that there is a special period of 15 months where you can purchase items without having to pay interest on them IMMEDIATELY.

However, you only get 59 DAYS interest free from the point of each purchase.

So if you buy something within the 15 months you get 59 days to pay it off in full without incurring interest.

If you buy something after the 15 months then you are charged interest from the start.

:thumbsup:
[/SIZE][/COLOR][/COLOR][/SIZE]


You have completely misunderstood the offer.

Almost every credit card gives you 59 days. This one is totally interest free up until the end of the 15 months. So if you buy something after 3 months, you have 12 months interest free and so on.

You have to pay the minimum payment every month, and clear the balance at the end of the offer to not incur interest. The end of the interest free period is shown on every statement so you can clearly plan ahead. The interest free period does not cover cash advances or balance transfers.

After the end of the 15 months you get the same period interest free after buying the goods that you would expect from any credit card, usually 59 days.
#15
Nice first post ThrobsBlackHat.

Welcome to hukd!
banned#16
cpdpurcell;1429238
[SIZE=7][COLOR=red]NO![/COLOR][/SIZE]
[SIZE=7][COLOR=red][COLOR=black][SIZE=4]Don't go thinking that and applying. When they say 15 months interest free it means that there is a special period of 15 months where you can purchase items without having to pay interest on them IMMEDIATELY.[/SIZE][/COLOR]

[SIZE=7][COLOR=red]However, you only get 59 DAYS interest free from the point of each purchase.[/COLOR][/SIZE]

[SIZE=7][COLOR=red]So if you buy something within the 15 months you get 59 days to pay it off in full without incurring interest.[/COLOR][/SIZE]

[SIZE=7][COLOR=red]If you buy something after the 15 months then you are charged interest from the start.[/COLOR][/SIZE]

[SIZE=7][COLOR=red]:thumbsup:[/COLOR][/SIZE]
[/COLOR][/SIZE]

Maybe delete your post eh....
#17
anyone got any experience of the sort of credit limits they offer?

if they offer something reasonable like £20k then it could be worth £200 to £300 in interest if you isa the money you spend, but post-credit-crunch i guess that they might only go up to £4 or £5k in which case it probably ain't worth it.

also bear in mind that credit card issuers actually want to make money so they are refusing cards to people who clear their balances each month...
banned#18
N20Y1D;1429289
Maybe delete your post eh....

That wont do any good now as you and others have quoted him.
#19
Seems to be a few 'financial advisors' knocking about today - maybe folk should find out the facts before posting them on a forum!?:whistling:
#20
cpdpurcell
NO!
Don't go thinking that and applying. When they say 15 months interest free it means that there is a special period of 15 months where you can purchase items without having to pay interest on them IMMEDIATELY.

However, you only get 59 DAYS interest free from the point of each purchase. So if you buy something within the 15 months you get 59 days to pay it off in full without incurring interest. If you buy something after the 15 months then you are charged interest from the start.


Completely wrong. 0% for 15 months means no interest whatsoever for 15 months. If you don't clear the balance when the rate expires, then you start incurring interest.
#21
rep added well spotted hot hot
#22
sounds like this would be good to use with my marks and spencer 3% for life card.

im moving house soon so once the mortgage is agreed i will grab one of these cards, im with halifax anyway so they should give me one.

it will give me some breathing space, 0 % for 15 months and then i can transfer it over, luckily i still only pay £5 or a maximum of £50 for balance transfers onto the marks and spencer card.


hot n rep
#23


Could someone give a guide to where this is on the website? I can't find it anywhere and I don't like clicking links for stuff like this. Not that I don't trust you or anything.


No, infact I don't trust you. Psyke!
#24
brum
sounds like this would be good to use with my marks and spencer 3% for life card.

im moving house soon so once the mortgage is agreed i will grab one of these cards, im with halifax anyway so they should give me one.

it will give me some breathing space, 0 % for 15 months and then i can transfer it over, luckily i still only pay £5 or a maximum of £50 for balance transfers onto the marks and spencer card.


hot n rep



Has that offer ended now?
#25
I got the 12 month 0% card - is a good deal i think though they are being abit slow at setting it up

i got £4000 limit and i am not a high earner - is a high limit
#27
Great find. Have just applied and was accepted. A whopping credit limit too which will help with the home refurbishments this year whilst the money we've saved up sits in a high interest account earning 6% interest. Happy days!!
#28
I got this card around November last year, great deal! Also, what's with the massive kiddie-crayon sized text in some of these posts, lol?!
#29
Just to let you know because I work for Halifax, that the Purchase Crdit Card ends on the 14th of December.

And 0% for 15months on purchases really does mean you dont pay any interest on purchases for 15 months as long as you keep up with your monthly minimum payments.

In the next few days there will be a new PLUS credit card replacing the purchase credit card. Im not sure of the final details but I believe it offers you 0% for 15 months on balance transfers and 0% on purchases for 6 months.
#30
http://www.halifax.co.uk/creditcards/pluscard.asp Is that not the PLUS card? ok ok, i know its 13 months instead of 15.

I'm still waiting for a link to the actual op offer! Not the one zipper provided. I just want to see where it is on the website!! peace out/
#31
leefal
http://www.halifax.co.uk/creditcards/pluscard.asp Is that not the PLUS card? ok ok, i know its 13 months instead of 15.

I'm still waiting for a link to the actual op offer! Not the one puls3 provided. I just want to see where it is on the website!! peace out/


Just go to [url]www.halifaxcards.co.uk[/url] and it should be there somwhere...

EDIT: Here ya go! http://www.halifax.co.uk/creditcards/credit_card_153.asp
#32
jeeeeeeeeeeeesis.
#33
Ye my bad, 13 months.

I'll keep you posted because I think it may be different if you apply in branch....
#34
birdyboyuk
Just go to [url]www.halifaxcards.co.uk[/url] and it should be there somwhere...

EDIT: Here ya go! http://www.halifax.co.uk/creditcards/credit_card_153.asp


haha cheers birdboy.

EDIT: wait...that card only has 0% for 3 months on purchases. The OP is 15 months.
See! Its impossible to find on the site!
#35
sossidge
anyone got any experience of the sort of credit limits they offer?

if they offer something reasonable like £20k then it could be worth £200 to £300 in interest if you isa the money you spend, but post-credit-crunch i guess that they might only go up to £4 or £5k in which case it probably ain't worth it.

also bear in mind that credit card issuers actually want to make money so they are refusing cards to people who clear their balances each month...


I had one ... closed the account once the interest free period came up :whistling:

I think me credit limit started off at £15000
#36
gilo
Just to let you know because I work for Halifax, that the Purchase Crdit Card ends on the 14th of December.



Sorry, just to absolutely clarify, does this mean that this offer has expired?
#37
Another mistake, not December! Thats my bday....

Its 14th January. 6 Days to go
#38
Thanks gilo :)
#39
MmmSkyscraper
Completely wrong. 0% for 15 months means no interest whatsoever for 15 months. If you don't clear the balance when the rate expires, then you start incurring interest.


Are you sure??

I was of the believe that If you don't clear your balance off in full by month 15 you will incur interest from when the transactions were made not from month 15 :thinking:
#40
sossidge
anyone got any experience of the sort of credit limits they offer?

if they offer something reasonable like £20k then it could be worth £200 to £300 in interest if you isa the money you spend, but post-credit-crunch i guess that they might only go up to £4 or £5k in which case it probably ain't worth it.

also bear in mind that credit card issuers actually want to make money so they are refusing cards to people who clear their balances each month...


4,200 for a joint application for us.

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