Halifax is the trade name of the Bank of Scotland, which is a wholly owned subsidiary of the Lloyds Banking Group. The largest UK provider of savings accounts and residential mortgages, Halifax is named after Halifax, a town in West Yorkshire, where it is based.
The Bank of Scotland issues Halifax credit cards; and the company is a subscriber of The Lending Code, copies of which are available at lendingstandardsboard.org.uk.
Halifax Credit Card Types
Halifax offers several credit cards for you to choose from, with each credit card having its own features and benefits.
While the All in One Card comes with an APR of 17.9 percent, the Rewards All in One Card has a 17.9 percent APR and is for people seeking better deals on purchases and balance transfers.
One of the Halifax’s newest products is the Clarity Card, which has a simple APR of 12.9 percent, zero usage fees and no annual fees. You don’t need to pay a penny for transferring your balance, withdrawing cash, or using it to purchase products and services all over the globe. Besides, you will get 2 percent cash back up to £60 on your transferred balance.
Other fascinating Halifax credit cards are the Halifax Plus Card with an APR of 16.9 percent, the Student Card that comes with a flexible credit limit and free text messages whenever it is time to pay dues, the Cancer Research UK Card that players can use to fight against cancer and the NSPCC Card that helps you support NSPCC.
Halifax Credit Card Offers and Benefits
Halifax credit cards come with an impressive array of offers and you must visit the Halifax website to view the latest deals, offers and discounts that you can avail of through your Halifax credit card.
Currently, Halifax credit card holders will get a 20 percent cut on purchases made at Easyart.com and a 15 percent discount on residential breaks and standard-day packages at Champneys Health Resorts.
Applying for a Halifax Credit Card
To apply for a Halifax credit card, you need to be a resident of the UK, have a bank account in the UK and must have completed 18 years of age. There is no annual membership fee on any Halifax credit card and no annual fee.
You are free to visit the Halifax website and apply online for any Halifax credit card that best meets your requirements. All you need to do is click on the “Apply Now” tab next to the card information.
Managing Your Halifax Credit Card Account
You can use your Halifax credit card at any location worldwide that accepts Visa or MasterCard, depending on the type of Halifax credit card you hold. You only have to check your statement to find out how much you owe Halifax and the date by which you should make your payment.
You can pay your bills online if you have a current account at Halifax and have registered for its online services. You can also change your due date twice in 6 months, free of charge.