Nice card that is easy to apply for and 0% for 10 months (Halifax Classic Credit Cards)

Member Name: DarkestGrey

Product:	Halifax Classic Credit Cards
Date:	20/09/08 (166 review reads)
Rating:

Advantages: 0%. Clear statments. Easy to use website.

Disadvantages: Payment protection insurance? Just say no. They set your website username.

When I applied for my 0% Halifax credit card, there was no problems in issuing me one.

Firstly, I applied online as they have a 10 month 0% offer. The forms on the website were easy to use and were completed in just a few minutes. I said I didn't want Payment Protection Insurance.

They wrote to me asking me to sign and return the credit agreement. A form which asks if you want Payment Protection Insurance and I said no.

Not long after, I got a phone call from them and they gave me my credit limit (which was about one third of what other cards have offered me - perhaps because of the 0% offer). They tried to sell me their Payment Protection Insurance at least twice on the phone. I had to say no yet again and again.

Four, if not five times I had to say I didn't want Payment Protection Insurance.

I registered to use the card online and their website is fairly clear apart from you do have to pick and choose what bank accounts and cards appear when you first log in. This seems a bit odd to me. There was only one, you might as well show it.

The statements arrived and are very clear as to how much you need to pay and outstanding amounts. It's also good to see they are smaller than other banks, thus saving paper.

I paid the statment online through their site, using my debit card and no problems whatsoever. Oddly enough they use WorldPay to take the online payment and WorldPay are owned by the Royal Bank of Scotland which also own Natwest. This was a suprise that they use a competitor to process their payments!

You need to pay £5 or 2.25% of the outstanding balance, whichever is greatest in order to pay no interest for the first 10 months on purchases. I don't use it for anything else, so I am unsure what cash withdrawl rates are (but they are charged).

I have mainly used it to put my house and car insurances on, so I can pay it over the 10 months with no interest. It is a good card for big purchases.

Overall, stick to your guns against paying payment protection insurance (if you don't want it) and this is not a bad card to have. Once issued, I have had no need to contact them again, other than to make payments.

And remember to pay it off or balance transfer before its 0% runs out!

Summary: Not a bad card and certainly one to use during the 0% time.