Individuals want to have a reliable credit card that offers affordable rates. Whether it’s used for buying big-ticket items or simply purchasing everyday necessities, you might want to consider the Halifax FlexiCard Mastercard.
The Halifax FlexiCard Mastercard offers an extensive range of benefits for all types of individuals. Whether you are looking for low-interest rates, flexible payment options, or other exclusive offers, this card has it all for you.
Thinking of applying for this credit card today? Make sure to read this guide until the very end. This guide will provide you with all the essential information you need.
Halifax FlexiCard Mastercard Features & Benefits
The main benefit of this credit is its low-interest rates. This is perfect for individuals who purchase items on a regular basis but still want to save money. With this credit card, you can get a low rate of 9.9% variable APR for all your purchases and balance transfers.
Another great thing about this credit card is its exclusive offerings, such as the 0% fee on balance transfers. The promotional offering is only valid for the first 90 days after opening your account. After the initial offering, a 3% fee will apply for balance transfers.
Paying for huge purchases can also become manageable with the help of flexible instalment plans. Through this feature, you can spread the cost of your purchases into more affordable monthly payments, with minimum monthly payments set at £100.
Powered by Mastercard, the Halifax FlexiCard is accepted at over 43 million locations around the globe. With this feature, you can easily manage your accounts and pay for your credit card bills all from one app.
Halifax FlexiCard Mastercard Cons
The main advantage of this credit card is its low rates. However, there is a possibility that the advertised rates will vary. These fees and rates usually depend on your creditworthiness. So it is ultimately up to multiple factors whether you will get the "promised" rate.
Halifax FlexiCard Mastercard Eligibility
Individuals aged 18 or older may apply provided you are a resident of the United Kingdom. You also need to have a good credit standing, which means you should not have declared bankruptcy. You must also have proof of a regular income.
Individuals who intend to apply for this credit card would do well to remember that their financial capabilities and background will be evaluated. In addition, employment and salary information will also come under scrutiny.
How To Apply For A Halifax FlexiCard Mastercard
To apply, click on the Apply Now button found on the Halifax website and simply fill in the online application form.
Some of the details that will be required by the bank include your address details, your annual income before tax, your bank account number and sort code, as well as your contact details.
The application will take around 10 minutes of your time. You will get a decision within 5 minutes. If approved, you will receive your card within 7 banking days. The credit limit will be determined based on your financial situation and creditworthiness.
APR & Charges
- APR - 9.9% to 16.9% variable APR (9.9% representative)
- Cash Transaction Fee - 3% or a minimum of £3
- Annual Fee - None
- Balance Transfer Fee - 3% or a minimum of £3 (non-introductory)
- Late Payment Charge - £12
- Non-Sterling Transaction Fee - 2.95%
- Over Limit Charge - £12
Bank Address & Contact Details
For more help and information, feel free to reach out to Halifax at 0345-944-4555. Otherwise, you may write to Halifax at their head office located at 6 Trinity Road, Halifax, West Yorkshire, HX1 2RG.
Conclusion
The Halifax FlexiCard MasterCard offers a variety of benefits and features such as affordable rates and instalment options. Id these offers interest you, visit their website today.
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.
