Halifax FlexiCard Credit Card: A Low Rate Card To Save You Money

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Have you been looking for a low rate credit card? How about one that grants you instalment plans to help manage your repayments? Though there are many credit cards out there, we know of one just might fit these needs perfectly.

With the Halifax FlexiCard Credit Card, you can now enjoy these privileges and more. This card gives cardholders great low rates with a card that also has no annual fee!

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Interested in knowing more about this credit card and its associated benefits and features? Continue reading below to see how you can apply for your very own today.

How to Get a Halifax FlexiCard Credit Card

Benefits and Features of a Halifax FlexiCard Credit Card

The Halifax FlexiCard Credit Card offers a number of key features and benefits worthy of checking out. Whether you’re off for a weekend getaway, moving into your new home, or just getting through your day-to-day expenses, this Mastercard-powered credit card may serve you well.

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Offering a low rate of 9.9% APR (variable) on all purchases, the Halifax Flexicard credit card offers reliable yet affordable transactions for your immediate need. You do not have to worry about high-interest charges costing you a fortune with this card. In the times that you may need to carry a balance on this card, you can rest assured that you are being charged a fair and affordable interest rate. 

What makes this card even more unique is its ability to allow users to work out how long it will take for them to pay off their purchases through instalment plans. With as little as £100, cardholders can now receive a fast and easy online repayment planner that will help them set up their regular repayments.

Who is This Card Best For?

Well, given its exceptionally low-interest rate, those who will benefit most from this card are those who need to carry a balance on their credit card. Perhaps you have a large expense coming up that you know you will have to slowly pay off over a period of months. In such a case, this card may be the perfect solution. Not only will this card allow you to make the purchase, but it will charge you a relatively low-interest rate while you slowly pay your balance.

The Details of the Halifax FlexiCard Credit Card

  • No annual fee
  • APR: Representative 9.9% APR (variable)*Rates from 9.9% APR (variable) to 16.9% APR (variable), depending on individual circumstances.
  • Purchases: 9.95% or 16.95% p.a.
  • Cash transactions: 9.95% or 16.95% p.a.
  • Balance transfers: 9.95% or 16.95% p.a.
  • Non-sterling transaction fee: 2.95% of the amount of the sterling transaction value.
  • Late payment fee: £12
  • Over limit fee: £12

Eligibility and How to Apply

To apply for this card, applicants must meet a set of given requirements. This includes being 18 years of age or older, being a resident in the United Kingdom, having a regular income, not having any County Court Judgements, not being currently bankrupt, and not being subject to an Individual Voluntary Agreement.

The bank also requires applicants to submit their current UK address details, along with their previous addresses for the last 3 years. Aside from this, applicants must also submit a document indicating their income before tax, main bank account number and sort code, and contact number.

The application can be done online by visiting the Halifax website and clicking on the “Apply Now” button. Applicants will receive their new cards after 7 banking days if they are approved.

Should your application be approved, the bank will set a credit limit that will depend on your credit score and other necessary factors. If you don’t meet certain requirements, you may be offered a higher interest rate set at 16.9% APR.

To get in touch with Halifax, call 0345 944 4555 (or +44 (0) 1733 573 189 if you’re dialing from abroad).

Conclusion

Overall, the Halifax FlexiCard Credit Card is an excellent choice for people looking for a low-rate card with easy and accessible instalment plans. To learn more about this card, do not hesitate to visit the official website of Halifax.

Want to learn about other low rate credit card options? Check out this link to explore another option.

Note: There are risks involved when applying for and using a credit card. Please see the bank’s Terms and Conditions page for more information.

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