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Halifax credit cards: What are the benefits?

Halifax is a division of Bank of Scotland. Here is information about their credit cards:

Halifax credit cards' benefits (as of July 2011):

Balance transfer cards 1. Halifax All-in-One card It allows people with outstanding balances on other cards to transfer credit to this card. These credit cards' offer 0% APR for transfer balance and purchases for 12 months. APR rates go to 17.9% to 23.9% per annum after the interest holiday period. 2. Halifax Rewards all-in-one It is considered the best card credit. It is available only to qualifying current account customers who pay £1,000 or more into their current account every month, or, hold an Ultimate Reward Current Account, or, switch their current account to Halifax and pay £1,000 or more into their current account every month or open an Ultimate Reward Current Account. This Halifax card offers 0% APR for 13 months on transfer of balance and purchases. After 13 months, the applicable APR rate goes up to 17.9% to 23.9% per annum depending on circumstances. 3. Halifax Plus credit cards This offers 0% APR for 17 months on balance transfers and 0% APR for three months on purchases. After the interest holiday, the applicable APR rate goes up to 16.9% to 23.9% per annum. Low rate/no fee Halifax cards Clarity card It does not charge any usage fees and features a simple rate of interest (12.9%). No fees are charged for balance transfers or cash withdrawals. There are no annual fees either. The APR rate varies between 12.9% and 21.9% depending on circumstances. Other Halifax cards 1. Student cards They help students take control of their finances and begin building their credit history. These cards feature an adjustable credit limit (between £100 and £500) and do not have an annual fee. The APR varies between 17.9% and 23.9%. 2. Cancer Research UK Credit Card It donates to Cancer Research UK every time a card holder makes a purchase. This card features a 0% APR for nine months on balance transfers and purchases. APR ranges between 16.9% and 19.9%. 3. NSPCC Card This makes a donation to National Society for the Prevention of Cruelty to Children (NSPCC) every time it is used for making a purchase. This other features of this card are the same as that of the UK Cancer Card.

General conditions

1. People cannot transfer balances from existing Halifax or Bank of Scotland credit cards.
2. There is a 3% fee on credit balance transfers on all cards excepting the Clarity Card.
3. The card holder must pay the minimum balance by the due date and stay within his credit limit.

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