I've had a conversation with Halifax who have just advised what seems to me a silly solution if you ask me ( Service was good however so they score on that point)
I have a Barclays credit card and this was recently sold to Halifax so yesterday I received my new Halifax Credit Card.
They have replicated the terms of the Barclaycard.
I was thinking of switching to Halifax anyway for there lower APR. At present Barclaycard are 14.9% while Halifax are offering 9.5%. However my new Halifax card is 14.9% because it replicates the old card.
I asked why wasn't I switched to the Halifax card rate of 9.5% and they said I could do this but would have to get a new card.
So basically I've now to phone up Halifax cancel my current card and then apply for a new Halifax card.
Strange and unnecessary if you ask me. But I gather most people won't do this and they will therefore make more money.
I have a Barclays credit card and this was recently sold to Halifax so yesterday I received my new Halifax Credit Card.
They have replicated the terms of the Barclaycard.
I was thinking of switching to Halifax anyway for there lower APR. At present Barclaycard are 14.9% while Halifax are offering 9.5%. However my new Halifax card is 14.9% because it replicates the old card.
I asked why wasn't I switched to the Halifax card rate of 9.5% and they said I could do this but would have to get a new card.
So basically I've now to phone up Halifax cancel my current card and then apply for a new Halifax card.
Strange and unnecessary if you ask me. But I gather most people won't do this and they will therefore make more money.