Halifax credit card

RavingMad

Apologies if this has been discussed..

I have a Halifax cc that I use for BT that currently is at zero. I've changed apps to Lloyds as instructed and now am unable to see an offers as it's not a Lloyds cc.

What am I best doing before the time comes that I need to shift some debt? Cancel Halifax card and apply for a new BT cc when needed? Or speak to Halifax and see if they can do a BT over the phone?

Thanks

Isthisforreal99

Does the Halifax card show in the Lloyds app. I can access my Halifax balance transfer and money transfer offers through the Lloyds app.

RavingMad

https://forums.moneysavingexpert.com/discussion/comment/82154962#Comment_82154962

Yeah, it does show. Strange, then that you have offers but mine says I need a Lloyds cc for any offers

Isthisforreal99

I have had all 3 LBG apps for a while know and can access my Lloyds offer via Bank of Scotland app and vice versa. Have you just downloaded the Lloyds app today? Might just take a day or two to fully update.

la531983

Or, there may be no offers. Relying on there being a 0% offer to service debt will always backfire when the offers dry up.

GrumpyDil

Typically you get 0% when you open the card as an initial offer and I know Halifax regularly sent fresh offers out after that but as above there are times when they don't have a current offer which is what I guess you are seeing now.

RavingMad

Thanks for the replies. I have time to wait and see if any offers are forthcoming or not. If not, I'll cancel the card as it serves no purpose. A shame as Halifax have always had decent BT offers

abxbsk

https://forums.moneysavingexpert.com/discussion/comment/82154969#Comment_82154969

My Halifax card shows in the Lloyds app and I too have balance transfer options. Click on Halifax Credit Card and then click on the 3 dots at the top right and you will see lots of options. Select Balance & Money Transfers - hopefully you'll have some offers!! ☺️

QrizB

^ I can confirm that clicking the "three dots" gives access to the BT and MT offers on my Halifax Clarity card in the Lloyds app.

Mine aren't especially appealing at present; 5.9% APR for 30 months and zero fee.

Interestingly, my Lloyds card has the same 5.9% deals but is also offering 0% for 12 months with a 3.5% fee.

RavingMad

Thank you both! Clicking on the 3 dots (someone should name that) does indeed bring up offers!

18 months for 3% fee is pretty decent. Let's hope that offer is repeated when I come to need it

Thanks again

Edit - 3 dots in a row - ellipses