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0% interest rates are usually part of an introductory or promotional offer on a credit card, available for a set period of time.
When you’re looking for a credit card, you might notice that some introductory interest rates are advertised as being available for ‘up to’ a certain number of months. That basically means you could be offered the advertised rate, but you could also be offered a shorter duration instead, based on an assessment of your personal circumstances.
Different rates of interest might apply to portions of your balance, depending on the transaction type, and whether a standard or introductory interest rate applies. You’ll find details in:
A 0% credit card has an introductory or promotional interest rate for a limited period.
Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.