Halifax No fee 0% Balance Transfer Card for 29 months so nearly 2 and half years
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Halifax No fee 0% Balance Transfer Card for 29 months so nearly 2 and half years

67
Found 5th Feb

Your credit card explained

Pay 0% interest for up to 29 months on balances you transfer in the first 90 days.

  • You can transfer your balance from most credit cards and store cards, except Halifax cards.
  • Cards must display a Visa, MasterCard or Amex logo.
  • Each transfer must be at least £100.
  • You can transfer balances after the first 90 days, but you’ll pay a standard rate of 19.95% p.a. (variable).

Pay no fees on balance transfers made in the first 90 days.

  • We won’t charge you any fees on balances transferred within the first 90 days.
  • The fee goes to 3% for balance transfers made after 90 days.

Make sure you make your transfer in 90 days. But that is plenty of time. So it would be your fault if you didn't
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I took out one of these a few weeks back due to the 0% fee on balance transfers. Very happy but still in debt.
£20.20 topcashback too
ollie32118 m ago

Anyone else seeing chinese writing on the website?


You have been hacked...
67 Comments
Does anyone have a clue about their criteria for giving 9 or 29 month terms? They do the shorter for bad credit but always says it depends
Does this card good?Offered 3300 credit to me,not sure what to do
Edited by: "ricardasgudkovas" 5th Feb
Owned by Lloyds -so no good for buying Bitcoin
rogparki2 m ago

Owned by Lloyds -so no good for buying Bitcoin


Very true but its just another passing nonsense. Why is it in the news so much? Snd you can just imagine someone suing saying 'i wasn't warned by lloyds' etc etc.... So good for lloyds if you borrow money you pay it back. If what you buy is worthless then thats your fault and no one eoses.
£20.20 topcashback too
wardi697 m ago

£20.20 topcashback too


Too late...Ordered card 2 min ago..
Got it thanks,

hope cashback tracks
I took out one of these a few weeks back due to the 0% fee on balance transfers. Very happy but still in debt.
At least 51% of successful applicants will get the best rates advertised on this page. Others will get 0% interest on balance transfers for the first 18 months, with a 3% balance transfer fee and 0% interest on purchases for the first 9 months, at a rate of 27.9% APR (variable).


How many of you guys got 0% fee?
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deleted1391139
awesome - cheers OP
Got the full offer forgot tcb gutted heat added
0 percent for 9 months that surely is better ones then that
TellyLover4 h, 23 m ago

Does anyone have a clue about their criteria for giving 9 or 29 month …Does anyone have a clue about their criteria for giving 9 or 29 month terms? They do the shorter for bad credit but always says it depends


You can do there soft credit check test on there website to see what you would get
Anyone else seeing chinese writing on the website?
Edited by: "ollie321" 5th Feb
ollie32118 m ago

Anyone else seeing chinese writing on the website?


You have been hacked...
Can you transfer to a current account?
This is a good card, added heat
PurrlineBargain16 m ago

Can you transfer to a current account?


Doesn't look like it. That's a super balance Xfer, the likes of virgin do it.
Got this card with 0% for 43 months last year
jaydeeuk19 m ago

Doesn't look like it. That's a super balance Xfer, the likes of virgin do …Doesn't look like it. That's a super balance Xfer, the likes of virgin do it.


Think you mean a money transfer card .plenty of credit cards do money transfers .just remember to transfer money straight into your account from the credit card ,don't withdraw from cash machine and put into your bank account
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deleted1836930
ollie32159 m ago

Anyone else seeing chinese writing on the website?


No but I got a pop up for Russian Brides.
TellyLover6 h, 14 m ago

Does anyone have a clue about their criteria for giving 9 or 29 month …Does anyone have a clue about their criteria for giving 9 or 29 month terms? They do the shorter for bad credit but always says it depends



do the soft credit check on moneysavingexpert site, you’ll find out which one you’ll get
got 0% for 29 months exactly as the offer
Can I transfer from other cards which I currently 0 percent interest over a period of months remaining ... ?
Load of rubbish
timmyboy1477 h, 26 m ago

They have since stopped allowing purchases of cryptocurrency/bitcoin with …They have since stopped allowing purchases of cryptocurrency/bitcoin with this card.I would advise anyone who may have been interested in purchasing cryptocurrencies to get in on the action now.The markets are very low, it’s a buyers market, and you can thank me in 12 months when your initial investment “goes to the moon”Laters.


Hmmm. Why do you think they stopped bitcoin transfers?

What will you do when/if bitcoin value goes to zero?

Everyone is doing what they can to lock down the market. Business doesn't like it.
mansoorbinsaeed11 h, 37 m ago

At least 51% of successful applicants will get the best rates advertised …At least 51% of successful applicants will get the best rates advertised on this page. Others will get 0% interest on balance transfers for the first 18 months, with a 3% balance transfer fee and 0% interest on purchases for the first 9 months, at a rate of 27.9% APR (variable).How many of you guys got 0% fee?


I think that means 51% of people in your financial position as it is based off credit rating, as opposed to 51% of all that apply
I'd fill your boots. All the talk is about interest rate rises soon. It's what's causing this current financial "correction". Inflation is paying catch up from the 2008 crisis and it ain't going to nice. Get this and other deals while you can. Borrowing and debt is going get a lot more expensive.
Avatar
deleted1836930
timmyboy1479 h, 15 m ago

I have this card, having taken it out about 4 weeks ago from the offer …I have this card, having taken it out about 4 weeks ago from the offer advised here.It’s exactly as it says it is. I transferred my balance on existing credit card to this, no problem. Then set up a direct debit to come out monthly hence 0% interest and basically a free loan.Just make sure you do everything they ask (don’t go over your credit limit, stay to their terms and conditions etc and shouldn’t be an issue). If you faulter eg miss a payment they stop the 0% interest offer, which was 29months for me.They also have an app which is fairly straight forward.I would advise anyone but any amount of credit on a credit card to get this and transfer your funds over to this and get the direct debit up. I am currently paying £15 a month (£1500 limit), but could if I wanted to pay £7 a month on a credit balance of £700. after the 29 months or whatever it would be cleared.ThanksTimPs I did actually use this to purchase a little crypto currency as I thought it was worth the punt. I x4 my initial investment but since then the markets have tanked. They have since stopped allowing purchases of cryptocurrency/bitcoin with this card.I would advise anyone who may have been interested in purchasing cryptocurrencies to get in on the action now.The markets are very low, it’s a buyers market, and you can thank me in 12 months when your initial investment “goes to the moon”Laters.


If people are in debt the last thing they should be doing is taking a gamble with stocks, shares or cryptocurrencies. The absolute last straw is using credit to actually buy these. Debt ruins people's lives. Credit is not a tool to be used for what is basically gambling. This is a great deal to save people money on interest from another card debt if they transfer over nothing less nothing more.
Edited by: "deleted1836930" 6th Feb
33208492-3yzng.jpg
Yeh I did this not long back. Got the top cash back quick as well. Being a new home owner few months back & needing a few thousand, I was shocked at how easy and widely available 0% deals are, then 0% balance transfers as well. You ask yourself, shall I just move the debt here there & everywhere. Other than credit score being affected I can’t see why not.
Edited by: "louiearch9309" 6th Feb
timmyboy1479 h, 59 m ago

I have this card, having taken it out about 4 weeks ago from the offer …I have this card, having taken it out about 4 weeks ago from the offer advised here.It’s exactly as it says it is. I transferred my balance on existing credit card to this, no problem. Then set up a direct debit to come out monthly hence 0% interest and basically a free loan.Just make sure you do everything they ask (don’t go over your credit limit, stay to their terms and conditions etc and shouldn’t be an issue). If you faulter eg miss a payment they stop the 0% interest offer, which was 29months for me.They also have an app which is fairly straight forward.I would advise anyone but any amount of credit on a credit card to get this and transfer your funds over to this and get the direct debit up. I am currently paying £15 a month (£1500 limit), but could if I wanted to pay £7 a month on a credit balance of £700. after the 29 months or whatever it would be cleared.ThanksTimPs I did actually use this to purchase a little crypto currency as I thought it was worth the punt. I x4 my initial investment but since then the markets have tanked. They have since stopped allowing purchases of cryptocurrency/bitcoin with this card.I would advise anyone who may have been interested in purchasing cryptocurrencies to get in on the action now.The markets are very low, it’s a buyers market, and you can thank me in 12 months when your initial investment “goes to the moon”Laters.



God, where to start with this one?

(a) borrowing on a CC to make an investment of any type is foolish. You are gambling with money you don't have and therefore can't afford to lose. This is pretty much rule #1 of investment, and you appear to be getting into bad habits by breaking it, that one day you are likely to pay for.

(b) Crypto currencies are highly volatile, and whilst they may have dropped from their highs of late 2017, they are still waaay above the residual "value" of the last few years, and many believe even that was stupidly inflated for what is essentially something with no intrinsic value. So many believe they have a hell of a lot more to drop. If you want to take a gamble (on credit!) on that, then crack on, but don't try to "advise" anyone else to follow your example. You're clearly not qualified to give financial advice, and whilst I'm sure most people will be able to work that out for themselves from the quality of it, I'm sure there are some people who may actually act on it and could end up in serious difficulties.

Perhaps, if you are still a decent amount to the good (which you should be, because Bitcoin has only lost half it's value of late so if you quadrupled your money you should still be 100% up, unless you managed to lose more than you should have by making poor decisions moving from one currency to another), you should consider selling the equivalent to what you borrowed, paying off the debt, and then playing with the free money you've made. If it goes your way in the next 12 months then great, you'll be rich. If not, then at least you're not left holding your share of the baby for the crypto currency bubble, and worse still being in debt for the privilege.

(c) If you pay £15 a month on a £1500 balance (or £7 on £700), for 29 months, you would not have cleared the debt as you state. You would have cleared under a third of the debt. Quick maths (to work out how much to pay monthly to clear the debt); £1500/29 months = £51.72 a month, or £700/29 months = £24.14 a month.
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deleted1836930
timmyboy14725 m ago

I understand how that reads, apologies.I agree, no one should borrow to …I understand how that reads, apologies.I agree, no one should borrow to invest in crypto or stocks etc. But like i said; if you wanted to play that game (preferably using a debit card only) the time is now.Bitcoin millionaires are real, my friend cashed out 80,000K last year, what I’m trying to say is.... it’s a buyers market right now because crypto inherently solid as of right now. I am personally invested in xrp run by the ripple company. They are working with 250 banks at the moment, also MoneyGram is using their cryptocurrency to make transfer of funds cheaper/quicker/easier for the customer. Santander bank will be releasing an App end of Q1 2018 using the xrp/ripple cryptocurrency for people to transfer funds around the world.Maybe people should actually look into this seriously as opposed to listening to the FUD/media.



Lottery millionaires are real too.

I think you are looking for a high risk investment thread not a credit card debt one. Publicity will artificially inflate prices so I can understand why people club together and use platforms to advertise buying. People that can afford to lose money should be the only ones to gamble in the markets.
Edited by: "deleted1836930" 6th Feb
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deleted1836930
Jules_HT13 m ago

God, where to start with this one?(a) borrowing on a CC to make an …God, where to start with this one?(a) borrowing on a CC to make an investment of any type is foolish. You are gambling with money you don't have and therefore can't afford to lose. This is pretty much rule #1 of investment, and you appear to be getting into bad habits by breaking it, that one day you are likely to pay for.(b) Crypto currencies are highly volatile, and whilst they may have dropped from their highs of late 2017, they are still waaay above the residual "value" of the last few years, and many believe even that was stupidly inflated for what is essentially something with no intrinsic value. So many believe they have a hell of a lot more to drop. If you want to take a gamble (on credit!) on that, then crack on, but don't try to "advise" anyone else to follow your example. You're clearly not qualified to give financial advice, and whilst I'm sure most people will be able to work that out for themselves from the quality of it, I'm sure there are some people who may actually act on it and could end up in serious difficulties. Perhaps, if you are still a decent amount to the good (which you should be, because Bitcoin has only lost half it's value of late so if you quadrupled your money you should still be 100% up, unless you managed to lose more than you should have by making poor decisions moving from one currency to another), you should consider selling the equivalent to what you borrowed, paying off the debt, and then playing with the free money you've made. If it goes your way in the next 12 months then great, you'll be rich. If not, then at least you're not left holding your share of the baby for the crypto currency bubble, and worse still being in debt for the privilege.(c) If you pay £15 a month on a £1500 balance (or £7 on £700), for 29 months, you would not have cleared the debt as you state. You would have cleared under a third of the debt. Quick maths (to work out how much to pay monthly to clear the debt); £1500/29 months = £51.72 a month, or £700/29 months = £24.14 a month.


Yes an "investor" who gets credit to buy stocks and cannot add up is the last person I want financial advice from especially virtual currencies. I can't stand Martin Lewis but he seems an actual God now. I still can't watch him though.
Edited by: "deleted1836930" 6th Feb
TellyLover18 h, 10 m ago

Does anyone have a clue about their criteria for giving 9 or 29 month …Does anyone have a clue about their criteria for giving 9 or 29 month terms? They do the shorter for bad credit but always says it depends



Can be worse - wife applied for this and she was declined a few days back. She was incredulous since she's got a great credit score, good job, no debts etc and is a Halifax current account user. She went for the Virgin money credit card which is similar to this but 0% for 24 months and was given a very healthy credit limit. Weird how these things work!
PurrlineBargain13 h, 11 m ago

Can you transfer to a current account?



Yes, Money Transfer is allowed with 0% fee for 29 months. Please check your email they send you as part of the application process and it clearly state money transfer at 0%.

Also here halifax.co.uk/cre…rs/

Hope this helps
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deleted1836930
timmyboy1471 h, 8 m ago

To be honest, it was an “oversight” that I hadn’t actually realised, so tha …To be honest, it was an “oversight” that I hadn’t actually realised, so thank you for pointing that out. It doesn’t particularly make much difference though, as I can just pay it all off in one go hence the over sight.I don’t see the point of that though due to interest free and the depreciated value of fiat currency.In respect of Martin Lewis, he hasn’t said not to invest into cryptocurrency. I will favourite this thread, and keep adding to it weekly with the gains as per date/time.What does make me laugh is when blockchain technology comes to the masses in x amount of years you will look back and think... oops.


I'm not interested so please do not keep me up to date. Won't be long before you are living on your own island why would you care then anyway. I'd pay off that card first if you can pay it off in one go as you said. Martin Lewis would tell you the same thing unless you have debts with higher interest.
Edited by: "deleted1836930" 6th Feb
timmyboy1471 h, 1 m ago

I will favourite this thread, and keep adding to it weekly with the gains …I will favourite this thread, and keep adding to it weekly with the gains as per date/time.


Don't bother- no-one in this thread cares how your investment goes, it's completely off topic.

Maybe you're right. Maybe you're wrong. Only the fullness of time will tell.

But either way, it's not good to "advise" anyone to borrow on a CC to make any kind of investment, which is what you were advocating (and if you weren't, what on earth are you posting about crypto currencies in a credit card thread for?)
timmyboy1472 h, 42 m ago

I understand how that reads, apologies.I agree, no one should borrow to …I understand how that reads, apologies.I agree, no one should borrow to invest in crypto or stocks etc. But like i said; if you wanted to play that game (preferably using a debit card only) the time is now.Bitcoin millionaires are real, my friend cashed out 80,000K last year, what I’m trying to say is.... it’s a buyers market right now because crypto inherently solid as of right now. I am personally invested in xrp run by the ripple company. They are working with 250 banks at the moment, also MoneyGram is using their cryptocurrency to make transfer of funds cheaper/quicker/easier for the customer. Santander bank will be releasing an App end of Q1 2018 using the xrp/ripple cryptocurrency for people to transfer funds around the world.Maybe people should actually look into this seriously as opposed to listening to the FUD/media.


So your mate made 80 million in crypto?

How much have you made?
Mmm...had my mortgage with them...paid off early
still have an easy cash a/c with them
had their credit card with them 5 or 6 years ago, paid off promo offer (bal transfer) in good time by fixed amount DD

applied last time they had an offer like this...TURNED DOWN, go figure

well there you go....accepted this time
Edited by: "torby" 6th Feb
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