Halifax Credit Card

starM

My partner logged into Halifax Interner Banking today and this time offer was Guaranteed:-

Your 100% Guaranteed Credit Card is ready and raring to go!
We promise you that if you want a credit card, we will give you one – 100% guaranteed:
And the sooner you get it, the sooner you can take advantage of:

• 0% for the first 9 months on balance transfers made in the first 90 days (3% fee).
• 0% for the first 9 months on purchases.

That's two great ways to organise your finances with one credit card.
With a competitive rate of 15.9% APR typical variable.


Has anyone got this, applied and got declined?


MS

starM

Well she just applied and online decision:-

Thank you for your recent application for a Halifax Credit Card. We are delighted to tell you that it has been approved and that you have been granted an estimated credit limit of £1000.

Within the next 10 working days you will receive a letter from us confirming this. All you need to do is read, sign and return the signature form to us.

Upon receipt of your signed credit agreement form, your new PIN number will be despatched. You will then receive your new card within 10 working days.

Thank you again for your application, we look forward to welcoming you as a new and valued customer.

---

What do they mean by estimated credit limit? The same offer is available on her BOS Reward Current Account aswel.

MS

Little_Vics

I went through the process as I was pre-approved, but turns out the credit limit they would give me was only £100. I've since cancelled it because it's simply not worth it for us.

starM

Little_Vics wrote: »

I went through the process as I was pre-approved, but turns out the credit limit they would give me was only £100. I've since cancelled it because it's simply not worth it for us.

Did £100 credit limit appeared online when you applied or thats when you received the card?

I guess they wouldn't have done any credit check.

Little_Vics

when I recieved the card unfortunately!

starM

Little_Vics wrote: »

when I recieved the card unfortunately!

I see thats why it says estimated £1000.

udydudy

Fortunately, me n OH had the high interest current acct for 6 months and got similar offers on our internet account. both applied and I got 12k and she got 4k. this was 9 months back. the offer was guaranteed credit card with an extra 2 months on BT & purchases.so both of us got 12 months interest free when the new application was only for 10 months.
Now we both have personal loans offer(supposedly preapproved) mine for 10k and OH for 14k at 9.8% but not interested at that rate for sure!!.
When I called for a query about a faster pay to another account the CS person mentioned I was entitled to preapproved loan for 10k. I told her i could get from Nwide at 7.7% and she was willing to consider if I would take the loan then on the phone!!.

Needless to say I said no. why take it from them at even 7.7% when i cannot get a savings rate which is decent enough!!!..

withnell

If you pop into a branch they can let you know the limit you're pre-approved for off the system