The one credit card that gives you different choices is Halifax. They have five cards designed for every need. They allow balance transfers and have a lengthy introductory rate as well. You will have a handling fee of 3% for each balance transfer so this is something to look at. You can expect to get an answer to your application in most instances right away. You can apply online at their secure website.  Versatility with so many cards to choose from makes this a popular choice for anyone.

The Halifax Credit Card will give you a fifteen month 0% interest rate on balances that are transferred within the first ninety days. You will also see a 0% interest rate on purchases for the first nine months. After that a variable rate of 13.9% APR will apply. This card has no annual fee and you can get up to 59 days interest free credit on all purchases if you pay off your balance in full each month. This card carries the MasterCard logo and comes in a choice of four colors-Black, Pink, Red and White.

The Halifax Plus Credit Card comes with some of the same features; the handling fee for balance transfers is the same. You have a 0% interest rate until April of 2009 for balance transfers if you transfer within the first ninety days. You’ll get a 0% interest rate for all other purchases made within the first six months. Your variable rate is currently 15.9% APR. No annual fee for all these savings and online fraud protection when purchasing online. Five color choices here- Black, Pink, Red, White and Blue.  You must stay within your credit limit and pay on time to keep this introductory rate.

The Halifax One Card has a shorter introductory period of 0% percent on transfers and purchases, but will give you a better variable APR of 9.9%. There again you have to transfer in the first ninety days of opening the card. You will get additional cards if you need them and twenty four hour service. You can set up your payments online and avoid any lat fees this way. The MasterCard logo is accepted at over 24 million locations worldwide.

The Halifax Classic Card is there for you when you need to establish a credit history or repair your credit. There can be circumstances that are beyond anyone’s control which may have caused a problem with your credit and Halifax wants to help you rebuild. Your credit limit will be set according to your current situation. Online help is there for you and will help you stay on top of your finances with free text alerts and weekly balance reminders.

The Halifax Student Credit Card is just what the name implies. You can send off your college student with a credit card that will help teach them to be responsible with their credit obligations. The maximum credit limit is £500 and comes with weekly balance updates and text alerts. Halifax has a card for everyone so research your choices today.