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Advice on my halifax Credit card.


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Hi everyone hope someone could advise me.

 

I originaly applied for a credit card via amazon.co.uk which was underwritten by halifax. Now the apr when i applied was 9.9% which i also transfered from an existing card.

 

Now over the last 18 months the apr went up 12% to then 16% and then 19.9% which i phoned and said i could not afford it to go to 19.9%

 

Are they allowed to do this ? as the reason I got the card was due to the low intrest rate.

 

I do have a halifax one card with apr 9.9% which i have had for many years and the interest rate has not increased once.

 

Anyway back on track to my problem.

 

Due to unforseen medical problems I am no longer in work and teh insurance would not pay out due to pre-existing condidtion which is funny because the condition was diagnosed after years of having the insurance but they say it falls under a bad back blahh blah.

 

Now iam having difficulties paying my bills and withing the next months I may sturuggle to make anywere near the minimum payment.

 

Can I request to halifax to reduce my apr to 9% like my other card as if it was this I would be able to pay this if the apr was at a lower rate.

 

Any advice would be appreciated and directions to what i should do.

 

kind regards

Edited by Dragon2020
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