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Halifax credit card review: All in One

THE Halifax All in One credit card offers some of the best introductory offers on the market, perfect for saving you money both now and over the longer term.

There's a 0% interest rate on both balance transfers and purchases for a healthy 10 months.

Since these introductory deals are of equal length you can transfer a balance to the Halifax All in One credit card and spend freely while you're paying it off without the worry of being caught out by hefty and hard to pay back interest charges as is often the case with other 0% balance transfer credit cards.

What's more the Halifax All in One credit card keeps on offering value for money - there's up to 59 days interest free on purchases - the longest term available - and there is no annual fee.

Online spenders can rest assured with the Halifax All in One credit card's internet fraud guarantee and Halifax's active fraud monitoring will keep a watchful eye over your account and alert you if they notice any suspicious activity.

In all, the Halifax All in One credit card offers just what its name promises: a great combination of 0% deals, security and reliability.

Interest Rates and Fees
		Notes..
Typical APR	15.9% APR (variable)	The typical rate most people will receive is 15.9% APR (variable), but you may be given a rate of 19.9% APR (variable) or 21.9% APR (variable) depending upon an assessment of your circumstances. In any month where interest is incurred between 1p and 50p, you will be charged a minimum of 50p instead. The typical APR is the rate most people are offered.
Introductory Purchases	0% for 10 months	Payments are applied towards the lowest rate balances, such as promotional rates, first.
Balance Transfers	0% for 10 months	Balances must be transferred within 90 days of account opening to qualify. Payments are applied towards the lowest rate balances first, such as promotional rates.
Balance Transfer Fee	3% (£3 minimum)	-
Cash Withdrawal Rate	27.95% p.a. (variable)	-
Cash Withdrawal Fee	3% (£3 minimum)	-
Annual Fee	None	-
Foreign Transaction Fee	2.95%	This fee will be charged if you make a purchase or cash withdrawal in a foreign currency.

Cardholder Services & Extras
Online Account Management		You can log in to the Halifax web site and manage your Halifax All in One credit card account online.
Internet Fraud Guarantee		As long as you follow the precautions, you won't be held liable for any online banking activity you haven't authorised.
Fraud Monitoring
Identity Protection
MasterCard SecureCode		An extra layer of security when shopping online. Register and set up a password-protected identity-check when you shop online with participating online retailers.
Purchase Protection Insurance
Purchase Delivery Insurance
Comprehensive Travel Insurance
Travel Accident Insurance
Travel Inconvenience Insurance
Assistance Abroad
Emergency Card Replacement
Other Extras	- Card replacement if lost - Additional cards available for family members over 18 years old.
Optional Extras	These are extras that you can choose, but you will have to pay for them. - Identitycare - Repayment cover - Card protection.

Payments & Payment Details
		Notes..
Credit Limit	£500 minimum	Maximum credit limit is subject to status.
Interest Free Period	Up to 59 days	Actual interest free period will be displayed on your statement. The interest free period is for purchases if you pay the balance in full and on time. There is no interest free period on balance transfers, cheques or cash advances.
Minimum Monthly Payment	1% (£5 minimum)	If your balance is less than £5 then you must repay the full amount. If the balance is £5 or more, you must repay the greater of: - 1% of the outstanding balance, OR - The total of any insurance premiums, plus any interest (or the minimum interest charge), any overlimit or late payment fees, plus £5.
Allocation of Payments	Low interest rate balances » Higher interest rate balances (default sums » balance transfers » purchases » cheques » cash advances).	If you do not pay off your statement balance in full, your payment will be applied first towards balances where no interest is charged, then those at lower rates before those at higher rates. Where two balances are charged at the same rate of interest, your payment will be applied to transactions in the following order: default sums, balance transfers, purchases, cheques and then cash advances.
Default Charges	£12	This is how much you will be charged for late payments, returned payments and if you go over your credit limit.
Copy of Statement Fee	£5	This is the fee you will be charged for duplicate statements.

Card Details
		Notes..
Online Application	Yes	Remember: always ensure you meet the application requirements before applying, as getting rejected can affect your credit score.
Card Type	Classic	-
Payment Company	MasterCard	The company who provides the payment technology and infrastructure to allow you to use this credit card. Retailers and ATM machines displaying the 'MasterCard' logo will accept this credit card.
Card Issuer	HBOS	The bank who issues this credit card. Halifax plc Trinity Road Halifax West Yorkshire HX1 2RG
Card Advertiser	Halifax	The company who advertises and promotes this credit card.

Review Continued...

The Halifax All in One credit card offers a great low introductory interest rate on purchases, perfect for credit card users that don't always manage to clear their balance each month.

After it's over, the Halifax All in One credit card's up to 59 days interest free period gives you a little extra time than most cards to repay your purchases in full without being charged any interest.

0% on balance transfers

There's also a 0% balance transfer deal - at 10 months it may not be the longest on the market but it makes up for it by being the same length as the purchases deal.

This niftily avoids the infamous allocation of payments problem - many other credit cards will allow you to rack-up interest charges on your purchases which then become 'trapped' behind the balance that you've transferred from elsewhere.

It is important to remember that balance transfers to the Halifax All in One credit card do carry a handling fee.

However this is only 3% of the balance you are transferring, and will be much less than the savings you'll make in interest costs.

Balance transfers must also be made within the first 90 days of opening the account to qualify for the promotional rate. Purchases however can be made throughout the promotional 10 month period and will remain at 0% for 10 months starting from the date of account opening.

0% on purchases

Alongside the mouth-watering 0% balance transfers for 10 months, the Halifax credit card also gives you a 0% interest rate on all your purchases for 10 months too.

This is very pleasing deal, as you won't find yourself knee-deep in interest charges if you want to transfer a balance and use the Halifax All in One credit card for new purchases too.

Note that introductory offers never include cash transactions, so always make sure to use a debit card if you need to withdraw cash or buy foreign currency and traveller's cheques.

Applying for the Halifax credit card

You can apply online for the Halifax All in One credit card - it's a quick and simple application form that's securely encrypted so that only the Halifax can read your information.

Online applications will also receive an instant decision, so you won't have to wait around for notification from emails, phone calls or snail mail!

To be considered for the Halifax All in One credit card you will need to be aged 18 or over, be a UK resident and have a regular income.

Apply Online for Halifax All in One credit card »