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halifax putting credit card interest rate up
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Santander ZERO rate jacked me over time to 35% APR where it's remained for 3 or 4 years now. I use it mostly to draw cash and pay only a few days' interest anyway. But at that APR, more than a few days becomes significant.
My Halifax Clarity is 12.7% APR - I think it's always been that. Again I use it mostly for foreign cash.
I generally get 999 on Experian, for those that care about such things. I did have a late payment showing a few months back (different card) - but Halifax didn't react to it.
So I wouldn't worry about it and I wouldn't overanalyse. Your late payment might have had nothing to do with it.0
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