


Who are Halifax and Bank of Scotland? We are a globally recognised brand and a FTSE 100 Bank, the 2nd largest credit card issuer for new credit cards and hold the 3rd largest stock of credit cards in the UK. The internet is our fastest growing channel for credit card recruitment and drives 38% of total cards acquired.

| APR | Annual fee | Introductory APR / Period | Balance Transfer APR / Period |
Credit Needed for Approval |
|---|---|---|---|---|
| 15.9% APR | None | 0% for 10 months on new purchases | 0% for 10 months on Balance Transfers made in the first 90 d | Good Credit* |

