Halifax 24 Month 0% Balance Transfer & Purchases Credit Card + £21 TCB / £20 Quidco
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Halifax 24 Month 0% Balance Transfer & Purchases Credit Card + £21 TCB / £20 Quidco

40
Found 9th Sep 2015
As the battle for the credit cards continue Halifax have brought out a good all rounder credit card which offers :

0% for up to 24 months from account opening on balance transfers made within the first 90 days. 0.8% fee applies on balance transfers within the first 90 days

0% for up to 24 months from account opening on purchases.

This offer is exclusively available online only and it takes just minutes to apply

Halifax also have an Eligibility Checker to see if you are eligible for a card before you apply if needed.

Also Topcashback of £21 or Quidco of £20 ( Halifax 24/24 )

40 Comments

Nice, thanks OP

Good deal for the financially responsible. I've never paid any interest or charges on a credit card in over 15 years. Put all purchases on 0% card and offset the cash against the mortgage or pit in a high interest account such as lloyds, tsb or nationwide. When the 0% period ends pay the card off or flip to another deal. The quidco males it even more attractive.

Banned

you might not get 24 months, it may be only 21 months

Simpleminded

you might not get 24 months, it may be only 21 months



Would the eligibility checker give you an indication?

I was going to apply for the equivalent Virgin card but this could be a consideration.

Banned

JohnnyUtah

Would the eligibility checker give you an indication? I was going to … Would the eligibility checker give you an indication? I was going to apply for the equivalent Virgin card but this could be a consideration.



I don't know about that but it'll be a good idea to check it.
i think halifax is better than virgin as with virgin you will get rejected straight off if don't meet their criteria.plus you get cashback on halifax and BT is cheaper

online credit card applications are such a hassle nowadays. I have applied for The Post Office one, and they sent me a letter asking for certified copies of FOUR sets of documents - eg. passport, proof of address, payslips or contract confirming income and bank statements.

So I went with all four to my local Post Office where I'm supposed to get them and the lady isntead started filling out a form for a new card. I smiled, thanked and walked away. Then I went to mybank (Barclays) for the copies, and they for whatever reason, refused to do a certified copy of my contract, because this one is not in their "Certified Copies policy". This is the second time I'm having problems getting certified copies because no institition seems to be instructing their staff what are they.

Why can't these online applications just accept home scans, or contact the relevant bodies themselves?

Rant over.

edit: I applied through Quidco too, and no cashback is tracked, probably because I have to send in those documents. So probably there won't be no cashback at all, at the end of this process. £25 lost.
Edited by: "thomasrykala" 9th Sep 2015

Hi, just to let you know I took out this deal and Halifax refused the cashback (3 weeks after applying), I was mystified as the application went through quickly and we received the card so I raised a claim and they paid out.... so keep an eye on your cashback !

worst bank I have ever encountered

i only got 21 months.

monkey1999

worst bank I have ever encountered



​ You should try Bank of Ireland.

I got accepted, but in the terms and conditions I got via email, it said 0% term was fived for 18, not 24 months....still happy with the deal, thanks OP

PS Quidco to Halifax link is down at the mo, couldn't get cashback

Banned

thomasrykala

online credit card applications are such a hassle nowadays. I have … online credit card applications are such a hassle nowadays. I have applied for The Post Office one, and they sent me a letter asking for certified copies of FOUR sets of documents - eg. passport, proof of address, payslips or contract confirming income and bank statements.So I went with all four to my local Post Office where I'm supposed to get them and the lady isntead started filling out a form for a new card. I smiled, thanked and walked away. Then I went to mybank (Barclays) for the copies, and they for whatever reason, refused to do a certified copy of my contract, because this one is not in their "Certified Copies policy". This is the second time I'm having problems getting certified copies because no institition seems to be instructing their staff what are they.Why can't these online applications just accept home scans, or contact the relevant bodies themselves?Rant over.edit: I applied through Quidco too, and no cashback is tracked, probably because I have to send in those documents. So probably there won't be no cashback at all, at the end of this process. £25 lost.



Couldn't agree more. Had the most ridiculous time trying to arrange a remortgage. My biggest problem was I was signed up for ebilling, so first I had to arrange for a copy bill which took about a week to arrive, then had to get a certified copy, which I tried 3 different banks before finally got it done. Ridiculous. These places really need to keep up with the modern age!

TCB looks as tho its down too. Has anyone got a direct link to the eligibility checker? Cant seem to find it on their site

Original Poster

Tommy_V

TCB looks as tho its down too. Has anyone got a direct link to the … TCB looks as tho its down too. Has anyone got a direct link to the eligibility checker? Cant seem to find it on their site



halifax.co.uk/cre…er/

I took out a credit card WITH HALIFAX using TCB rate paid out to me was £21.50 I took my miss out spend £20.00... Happy Days
Edited by: "csmith8430" 9th Sep 2015

Not mean to hijack this post. While Qudico and TCB are down, a good alternative is Tesco purchase card, with 21 months free but £30 quicdco and you also earn clubcard points.

csmith8430

I took out a credit card WITH HALIFAX using TCB rate paid out to me was … I took out a credit card WITH HALIFAX using TCB rate paid out to me was £21.50 I took my miss out spend £20.00... Happy Days



Cheapskate.

Worth a look heat from me thanks

jianping

Not mean to hijack this post. While Qudico and TCB are down, a good … Not mean to hijack this post. While Qudico and TCB are down, a good alternative is Tesco purchase card, with 21 months free but £30 quicdco and you also earn clubcard points.



With a 0% on purchases credit card do you just pay the minimum amount each month, if so is it 1%? Then NO interest on accumulating balance each month?

manicmidlander

Good deal for the financially responsible. I've never paid any interest … Good deal for the financially responsible. I've never paid any interest or charges on a credit card in over 15 years. Put all purchases on 0% card and offset the cash against the mortgage or pit in a high interest account such as lloyds, tsb or nationwide. When the 0% period ends pay the card off or flip to another deal. The quidco males it even more attractive.



That mirrors my approach to personal finance, easy isn't it? I have never paid any interest whatsoever on a credit card. I take out a long interest free purchase card, keep it under control and if it's not paid off at the end of promotional term I transfer the remainder to an interest free balance card. This works great for me and it still contributes to your credit rating - or so I'm told.

If I needed it I would be taking up this offer without hesitation and like others have said, the extra cashback makes the deal even sweeter! Incidentally, my £25 cashback for my Post Office purchase card paid out yesterday, which was nice

Heat OP!

slipd

That mirrors my approach to personal finance, easy isn't it? I have never … That mirrors my approach to personal finance, easy isn't it? I have never paid any interest whatsoever on a credit card. I take out a long interest free purchase card, keep it under control and if it's not paid off at the end of promotional term I transfer the remainder to an interest free balance card. This works great for me and it still contributes to your credit rating - or so I'm told.If I needed it I would be taking up this offer without hesitation and like others have said, the extra cashback makes the deal even sweeter! Incidentally, my £25 cashback for my Post Office purchase card paid out yesterday, which was nice 8)Heat OP!


Nice to see that somebody else has the good sense to make use of these deals.

Frustrating, I've been declined for 2 different 0% credit cards in the past week. Checked my credit report through multiple agencies and I've got a near perfect score, reasonable salary, etc. Really stumped as to why I've been declined.

I'm rather hesitant to apply for another - although the previous 2 searches don't appear to be showing up on my credit report yet...

cliosport65

http://www.halifax.co.uk/creditcards/eligibility-checker/



When I open the page there's nothing but 'Eligibilty Checker' written with nothing to click on/enter?

Original Poster

Tommy_V

When I open the page there's nothing but 'Eligibilty Checker' written … When I open the page there's nothing but 'Eligibilty Checker' written with nothing to click on/enter?



​might be a browser issue or page might be down

manicmidlander

Good deal for the financially responsible. I've never paid any interest … Good deal for the financially responsible. I've never paid any interest or charges on a credit card in over 15 years. Put all purchases on 0% card and offset the cash against the mortgage or pit in a high interest account such as lloyds, tsb or nationwide. When the 0% period ends pay the card off or flip to another deal. The quidco males it even more attractive.



As soon as "flipping" gets mentioned in the same sentence as "financially responsible" I get worried. I'm sure you flipped to a card with both a 0% balance interest rate and importantly a 0% balance transfer fee as well, but a lot of people might be hearing just the headline 0% interest rate and your endorsement of "financially responsible" and get bright ideas. This card will cost you 0.8% of any balance you transfer, so would not be a sensible card to flip to. A better product is Santander's 123 credit card which will cost you 0% to transfer a balance.

While the 0% interest rates get a lot of attention, there wil be people out there who in effect flip to new card deals and pay 2.9% for the privilege. While this might be a cheaper way to borrow, I wouldn't condone it as responsible or for the savvy user, and I would consider this as a pretty hefty (bi-annual) interest payment. I think this country is in dire need of economic education - we don't receive any, and it has lead to the current massive problems like our 20 year housing bubble.

Flipping is fine as long as there is going to be another 0% transfer fee card at the end of it - Problems arise when there aren't. I wouldn't like to get into the situation wher I had to pay £300 to keep a £10,000 creditcard debt alive. What ever happened to saving up slowly, being patient and biding your time?
Edited by: "friar_chris" 9th Sep 2015

thomasrykala

online credit card applications are such a hassle nowadays. I have … online credit card applications are such a hassle nowadays. I have applied for The Post Office one, and they sent me a letter asking for certified copies of FOUR sets of documents - eg. passport, proof of address, payslips or contract confirming income and bank statements.So I went with all four to my local Post Office where I'm supposed to get them and the lady isntead started filling out a form for a new card. I smiled, thanked and walked away. Then I went to mybank (Barclays) for the copies, and they for whatever reason, refused to do a certified copy of my contract, because this one is not in their "Certified Copies policy". This is the second time I'm having problems getting certified copies because no institition seems to be instructing their staff what are they.Why can't these online applications just accept home scans, or contact the relevant bodies themselves?Rant over.edit: I applied through Quidco too, and no cashback is tracked, probably because I have to send in those documents. So probably there won't be no cashback at all, at the end of this process. £25 lost.



Mine was the same, wanted far too much extra info/documentation before they could "consider" or even start my application!!
I just didn't bother in the end and my TCB has gone to £0 too

muffboy

With a 0% on purchases credit card do you just pay the minimum amount … With a 0% on purchases credit card do you just pay the minimum amount each month, if so is it 1%? Then NO interest on accumulating balance each month?



That's correct.

cliosport65

Also Topcashback of £21 and Quidco of £20



Can we get both or should that say "or"? If we can could you let me know how, thanks.

Original Poster

rossington

Can we get both or should that say "or"? If we can could you let me know … Can we get both or should that say "or"? If we can could you let me know how, thanks.



Consider it amended, you can only use one or the other

Thanks for this deal.
Just managed to transfer my HSBC card over to it - I initially rang them to see if they could offer me a better rate (was on 29.9% APR) and they flatly declined. As have good credit rating anyway thought I would give this a bash and have saved myself a fortune on interest payments.

thomasrykala

online credit card applications are such a hassle nowadays. I have … online credit card applications are such a hassle nowadays. I have applied for The Post Office one, and they sent me a letter asking for certified copies of FOUR sets of documents - eg. passport, proof of address, payslips or contract confirming income and bank statements.So I went with all four to my local Post Office where I'm supposed to get them and the lady isntead started filling out a form for a new card. I smiled, thanked and walked away. Then I went to mybank (Barclays) for the copies, and they for whatever reason, refused to do a certified copy of my contract, because this one is not in their "Certified Copies policy". This is the second time I'm having problems getting certified copies because no institition seems to be instructing their staff what are they.Why can't these online applications just accept home scans, or contact the relevant bodies themselves?Rant over.edit: I applied through Quidco too, and no cashback is tracked, probably because I have to send in those documents. So probably there won't be no cashback at all, at the end of this process. £25 lost.



​I got knocked back for the post office one but just took out this one.

Hmm, I don't see how this is so hot. I was looking for a 0% BT deal and saw this, but then I went to topcashback and they had £30 CB for the Tesco no BT Fee card, which gave me 19 months at 0%, but more importantly, 0 BT fee for (in my case at least) up to a £2850 BT.

Original Poster

ecuador

Hmm, I don't see how this is so hot. I was looking for a 0% BT deal and … Hmm, I don't see how this is so hot. I was looking for a 0% BT deal and saw this, but then I went to topcashback and they had £30 CB for the Tesco no BT Fee card, which gave me 19 months at 0%, but more importantly, 0 BT fee for (in my case at least) up to a £2850 BT.



​the extra 5 months make all the difference

In light of today's news and transfer fees..hmm.

Original Poster

???????????

coathanger

In light of today's news and transfer fees..hmm.


cliosport65

???????????


There were numerous news reports today highlighting the vast majority believed 0% transfers to be free. It was only later, when spotting the charge, that people caught on to a charge.

I got 21 months quidco is now not available Halifax aren't on anymore but are on tcb

Could you get this if you are already have another Halifax credit card ?

Cashback on quidco is now £25 (expires in 4 days)
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