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MSE News: Halifax credit card holders urged to act ahead of rate hikes

This is the discussion thread for the following MSE News Story:

"Hbos is revamping interest charges which will initially see cuts for many but with the likelihood they will soar later ..."
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Comments

  • ElmerFudd
    ElmerFudd Posts: 444 Forumite
    I assume so called "life of the balance" deals will remain uneffected by the changes?
    Debt at worst: £33000 (Feb 2011). Present debt: £25610 (Apr 2012)
    Lloyds old (22.4%) = 560 (Dec 2012)
  • YorkshireBoy
    YorkshireBoy Posts: 31,541 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    ElmerFudd wrote: »
    I assume so called "life of the balance" deals will remain uneffected by the changes?
    Covered in the article referenced above...
    Hbos will honour all promotional deals until they expire...
  • st999
    st999 Posts: 1,574 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Doesn't affect me, I pay the balance off in full each month.
  • skaps
    skaps Posts: 2,255 Forumite
    Will this affect the clarity card? Want to apply for one before I go on holiday in august
    MFW 2016 No 68 £1300/£8500 No new toiletries Cook sth different
  • YorkshireBoy
    YorkshireBoy Posts: 31,541 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    skaps wrote: »
    Will this affect the clarity card? Want to apply for one before I go on holiday in august
    Covered in the article referenced above...
    anyone with a Halifax Clarity card is unaffected until 2012.
  • skaps
    skaps Posts: 2,255 Forumite
    Oops, didn't see that, thanks
    MFW 2016 No 68 £1300/£8500 No new toiletries Cook sth different
  • If it's initially going to bring rates down, why would you urge Halifax customers to act ahead of the changes. Why not wait to take advantage of the better rates and then move if/when the rates go up?
  • MSE_Martin
    MSE_Martin Posts: 8,272 Money Saving Expert
    Part of the Furniture 1,000 Posts Combo Breaker
    If it's initially going to bring rates down, why would you urge Halifax customers to act ahead of the changes. Why not wait to take advantage of the better rates and then move if/when the rates go up?


    You only get 60 days after notification to reject a rate rise, so its now or never.
    Martin Lewis, Money Saving Expert.
    Please note, answers don't constitute financial advice, it is based on generalised journalistic research. Always ensure any decision is made with regards to your own individual circumstance.
    Don't miss out on urgent MoneySaving, get my weekly e-mail at www.moneysavingexpert.com/tips.
    Debt-Free Wannabee Official Nerd Club: (Honorary) Members number 000
  • Percy1983
    Percy1983 Posts: 5,244 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Looks like my card will be clear by then, but it looks like they are talking themselves out of being my 1 remaining card when all are paid.
    Have my first business premises (+4th business) 01/11/2017
    Quit day job to run 3 businesses 08/02/2017
    Started third business 25/06/2016
    Son born 13/09/2015
    Started a second business 03/08/2013
    Officially the owner of my own business since 13/01/2012
  • fozmcfc
    fozmcfc Posts: 3,098 Forumite
    Part of the Furniture Combo Breaker PPI Party Pooper Debt-free and Proud!
    Used mine for the 0% on purchases, which has now finished, unless I get a repeat purchase offer I won't be using the card again anyway.
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