Halifax 26 month 0% Balance Transfer Card offers
330°Expired

Halifax 26 month 0% Balance Transfer Card offers

28
Found 7th Mar
  • 0% interest for 26 months from account opening on balance transfers made in the first 90 days.
    Minimum £100 balance transfer. Representative rate of 19.9% APR (variable).
  • 0% fee applies on each balance transfer made in the first 90 days.
    3% fee applies on each balance transfer made after the first 90 days.
  • 0% interest for 3 months from account opening on purchases.
    Representative rate of 19.9% APR (variable).


They did have a 29 month deal up till about a week ago but that has now gone. Lloyds have a 25 month 0% and Virgin a 27 month but that has a BT fee so not as good.
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Now the 29 month card has gone! But not on the two days after you posted this deal
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Original Poster
BFCsider7 m ago

If i cant afford it, I don't buy it. Cold from me, these things can cause …If i cant afford it, I don't buy it. Cold from me, these things can cause so much misery


Brilliant when a deal is voted cold because it doesn't suit someone. Thankfully the world doesn't revolve around you.
BFCsider11 m ago

If i cant afford it, I don't buy it. Cold from me, these things can cause …If i cant afford it, I don't buy it. Cold from me, these things can cause so much misery


Madness, next time I see a £100 65 inch oled TV will be voting cold because doesn't fit in my living room
Credit cards, especially these ones that offer long no interest periods, don't necessarily have to be used to buy things you can't afford. Think of a car insurance for instance, that you might not be able to pay the full premium upfront and would have to resort to monthly payments and the interest associated. With such a credit card you can do the same and pay no interest. That's just one of many useful or practical uses for a credit card that can actually save you money.
BFCsider38 m ago

If i cant afford it, I don't buy it. Cold from me, these things can cause …If i cant afford it, I don't buy it. Cold from me, these things can cause so much misery


I can't afford a house so I should not take a mortgage and be homeless, thanks for advice really appreciate it.
28 Comments
If i cant afford it, I don't buy it. Cold from me, these things can cause so much misery
Original Poster
BFCsider7 m ago

If i cant afford it, I don't buy it. Cold from me, these things can cause …If i cant afford it, I don't buy it. Cold from me, these things can cause so much misery


Brilliant when a deal is voted cold because it doesn't suit someone. Thankfully the world doesn't revolve around you.
BFCsider11 m ago

If i cant afford it, I don't buy it. Cold from me, these things can cause …If i cant afford it, I don't buy it. Cold from me, these things can cause so much misery


Madness, next time I see a £100 65 inch oled TV will be voting cold because doesn't fit in my living room
Credit cards, especially these ones that offer long no interest periods, don't necessarily have to be used to buy things you can't afford. Think of a car insurance for instance, that you might not be able to pay the full premium upfront and would have to resort to monthly payments and the interest associated. With such a credit card you can do the same and pay no interest. That's just one of many useful or practical uses for a credit card that can actually save you money.
BFCsider38 m ago

If i cant afford it, I don't buy it. Cold from me, these things can cause …If i cant afford it, I don't buy it. Cold from me, these things can cause so much misery



Credit cards are a useful way to manage your finances & be smart with your money "buying things you can't afford" doesn't even enter the equation for a lot of people
BFCsider38 m ago

If i cant afford it, I don't buy it. Cold from me, these things can cause …If i cant afford it, I don't buy it. Cold from me, these things can cause so much misery


I can't afford a house so I should not take a mortgage and be homeless, thanks for advice really appreciate it.
Credit cards have their advantages and like Martin says pay it all off every month! Well in this case 24 months.
i_have_crabs5 m ago

Credit cards are a useful way to manage your finances & be smart with your …Credit cards are a useful way to manage your finances & be smart with your money "buying things you can't afford" doesn't even enter the equation for a lot of people


Bang on. I know people without cc in “misery” as one huge expense and their finances can be crippled until next pay day and beyond. For me, having them means I can withstand such fluctuations.

Clearly they’re not for everyone, but managed cleverly they are very useful indeed.
Edited by: "bonecrusher9000" 7th Mar
bonecrusher90003 m ago

Bang on. I know people without cc in “misery” as one huge expense and the …Bang on. I know people without cc in “misery” as one huge expense and their finances can be crippled until next pay day and beyond. For me, having them means I can withstand such fluctuations.Clearly they’re not for everyone, but managed cleverly they are very useful indeed.


Add to that the purchase protection that comes in useful when buying from China!
PESfan1 h, 3 m ago

Credit cards, especially these ones that offer long no interest periods, …Credit cards, especially these ones that offer long no interest periods, don't necessarily have to be used to buy things you can't afford. Think of a car insurance for instance, that you might not be able to pay the full premium upfront and would have to resort to monthly payments and the interest associated. With such a credit card you can do the same and pay no interest. That's just one of many useful or practical uses for a credit card that can actually save you money.


Very true, but you need to have a bit of discipline - the credit card companies make their money from people who spend what they haven't got.
I don't understand these things. So if I have a credit card presently with 1000 pounds on it and I transfer the balance to this card, would I essentially be ofsetting the 1000 quid for another 26 months? What would be the charge for transferring it to this card?
MadonnaProject19 m ago

I don't understand these things. So if I have a credit card presently with …I don't understand these things. So if I have a credit card presently with 1000 pounds on it and I transfer the balance to this card, would I essentially be ofsetting the 1000 quid for another 26 months? What would be the charge for transferring it to this card?


Basically yes, if you have a balance of say £1000, and are paying it monthly with interest, you can transfer it to this card and pay it monthly (there will be a minimum payment) with 0% interest for 26 months. There's no fee in the first 90 days.

0% deals are awesome, when used properly. I use my 0% card for paying things like car insurance which would normally be about 19% APR payed monthly though the insurance company. I also use them for some bigger purchases because I'm useless at saving money, and better at paying off a card regularly.
MadonnaProject1 h, 12 m ago

I don't understand these things. So if I have a credit card presently with …I don't understand these things. So if I have a credit card presently with 1000 pounds on it and I transfer the balance to this card, would I essentially be ofsetting the 1000 quid for another 26 months? What would be the charge for transferring it to this card?


Currently if you have a ‘normal’ credit card with a £1k on it, and you can’t afford to repay the £1k at month end you will be paying interest on that which can range from say 6% - 24% APR. So if you make minimum payments a large proportion of that goes on the interest and a small proportion goes to the £1k.

By balance transferring, you are taking that interest to zero, so all of your monthly minimum payments go towards the £1k. Most credit cards with 0% balance transfer, charge a fee, from zero (like in this post) up to 4%. This adding say up to £40 onto your total but no further interest.

So in your case it would cost you £0 to transfer the £1000 and you won’t pay any interest for 26 months but you will have to make minimum payments, which comes off your £1k
Edited by: "jchung07" 7th Mar
BFCsider6 h, 15 m ago

If i cant afford it, I don't buy it. Cold from me, these things can cause …If i cant afford it, I don't buy it. Cold from me, these things can cause so much misery



Depends if you know how to use a credit card properly
I have this, used to finance solicitors fees for purchasing my first property. It was through a right to buy scheme so I did not want to risk leaving it and government pulling the plug on the scheme.

I used a different card - maxed it - then transferred straight to this card. So far no problems.

Much better than getting a small loan (which would have been needed) as this is 0%.

Thanks to sanchi for posting, and good luck to anyone who takes it out - just make sure to make the minimum payments each month otherwise they pull the 0% offer.
their mobile app used to be garbage but they do support fingerprint support now which makes it a lot easier.
PESfan12 h, 0 m ago

Credit cards, especially these ones that offer long no interest periods, …Credit cards, especially these ones that offer long no interest periods, don't necessarily have to be used to buy things you can't afford. Think of a car insurance for instance, that you might not be able to pay the full premium upfront and would have to resort to monthly payments and the interest associated. With such a credit card you can do the same and pay no interest. That's just one of many useful or practical uses for a credit card that can actually save you money.


exactly this. just got a new policy yesterday with axa. saved me £70 paying upfront as opposed to monthly.
timmyboy1473 h, 1 m ago

make the minimum payments each month otherwise they pull the 0% offer.


and don't withdraw cash or use it to buy financial products - or they pull the offer
Looking for a good card to use abroad and for one on purchases... Any ideas
swans79wd20 h, 45 m ago

Looking for a good card to use abroad and for one on purchases... Any ideas


Abroad = Halifax Clarity, you can withdraw cash @ ATM free & get perfect exchange rate, simply fund it same day as you withdraw the cash to avoid interest

Purchases credit card = hotukdeals.com/dea…054 (or Sainsburys card 31 months)
Edited by: "luvsadealdealdeal" 9th Mar
swans79wd8 h, 48 m ago

Looking for a good card to use abroad and for one on purchases... Any ideas


Yes 100%

Sign up with Revolut.com - they are offering free debit card. Can be used anywhere in the world, and the exchange rates are amazing.
carsick7716 h, 8 m ago

their mobile app used to be garbage but they do support fingerprint …their mobile app used to be garbage but they do support fingerprint support now which makes it a lot easier.


It does on an iPhone but not on the iPad- not sure why or if you can use fingerprint on android
dutch0901637 h, 30 m ago

It does on an iPhone but not on the iPad- not sure why or if you can use …It does on an iPhone but not on the iPad- not sure why or if you can use fingerprint on android


I was refering to the Android app - not tried it on iOS.
BFCsider7th Mar

If i cant afford it, I don't buy it. Cold from me, these things can cause …If i cant afford it, I don't buy it. Cold from me, these things can cause so much misery


i take it you paid cash for your home and car?
eset123459 h, 11 m ago

i take it you paid cash for your home and car?


For my car, yes. For the house I was fortunate enough to be given it (yes I know I'm lucky and I am grateful).
I'm sure you know I'm not talking about a mortgage as its a must for most. I'm simply on about a credit card (that doesn't secure you a mortgage) that in the wrong hands can cause havoc with people's lives.
I know it's their own fault for being stupid but why give them the chance.
BFCsider12th Mar

For my car, yes. For the house I was fortunate enough to be given it (yes …For my car, yes. For the house I was fortunate enough to be given it (yes I know I'm lucky and I am grateful).I'm sure you know I'm not talking about a mortgage as its a must for most. I'm simply on about a credit card (that doesn't secure you a mortgage) that in the wrong hands can cause havoc with people's lives.I know it's their own fault for being stupid but why give them the chance.


This is why this site can be so inaccurate. You’re voting cold because you don’t trust yourself with managing money. Other people can manage their financial affairs in credit and would be grateful of knowing about a card such as this.
Hey guys, when I click on the link it takes me to the halifax website but then I click on apply and it goes to a blank page. Anyone else getting the same issue?
timmyboy1478th Mar

Yes 100%Sign up with Revolut.com - they are offering free debit card. Can …Yes 100%Sign up with Revolut.com - they are offering free debit card. Can be used anywhere in the world, and the exchange rates are amazing.


@swans79wd if you have a good credit score go with clarity. Just remember that if you withdraw cash abroad transfer GBP to your credit card account the same day. Revolut is a decent product but lots of little hidden charges and restrictions.

On top of that when you are abroad S75 protection is very useful...
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