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  • FIRST POST
    • Jlawson118
    • By Jlawson118 23rd Dec 16, 10:52 PM
    • 650Posts
    • 70Thanks
    Jlawson118
    Still unable to get accepted for the Halifax Clarity card?
    • #1
    • 23rd Dec 16, 10:52 PM
    Still unable to get accepted for the Halifax Clarity card? 23rd Dec 16 at 10:52 PM
    I would like a credit card that I can use abroad for mainly general purchases but I do like how the Clarity card gives free cash withdrawals abroad too. I did get accepted for the Lloyds Avios cards earlier this year but due to poor service and I realised the £24 yearly fee just wasn't worth it, I closed the account down.

    I am regretting it though, that card saved me a lot of money on my travels over the Summer and came in handy, but in places it just wasn't all that reliable. Even earlier this year, I applied for the Clarity and was rejected and that's when I was accepted for the avios card. Even the 'eligibility test' classed me as 2/10 chance.

    Though my finances have changed a lot now and I ran the test a few days ago where it said I had an 8/10 chance of being accepted, so I tried my luck and was rejected yet again.

    What do you actually have to do to be eligible for any of Halifax's products? I have a good credit record, never been in debt, always repaid previous credit cards over the years on time. And I'm earning a fair decent living.
    I've heard Halifax are strict on these kind of things though. But what do I need to do to be eligible?
Page 2
    • No_6
    • By No_6 27th Dec 16, 11:00 PM
    • 501 Posts
    • 96 Thanks
    No_6
    Retired peeps have used credit for many years
    and if used correctly, will go on for many years.

    6
    • Mutton Geoff
    • By Mutton Geoff 28th Dec 16, 1:38 AM
    • 771 Posts
    • 602 Thanks
    Mutton Geoff
    I had a Halifax MasterCard with a generous (£12k) limit and 15 months interest free on purchases that I used. Prior to the end of the promotion, I paid off the balance and as I travel abroad a lot, looked online at applying for the Clarity card and at the same time reducing the credit limit since I would be clearing the balance in full every month.


    Their website couldn't handle the "card switch" and asked me to call them. After 30 mins online I was told that I'd need to visit a branch to be ID'd since rules had changed since my original MasterCard application. "No appointment needed", just turn up at any branch. This I did but was told by the branch I needed an appointment of which their next one was 10 days hence! (Cirencester branch). The member of staff there just told me to apply online for the Clarity and close the MasterCard myself after I received the new card.


    This I tried and the application was declined. I don't have any marks on my credit rating and have never missed any payments on anything in over 20 years. I don't have any other debt other than a low LTV mortgage.


    I rang to close the MasterCard and told them I wasn't happy. They tried to pacify me and quickly run through a Clarity application again, telling me my application failed as I'd moved house within the last year. It got to about another 20 mins on the phone and the member of staff said I'd have to go into a branch after all.


    Despite having had the MasterCard for 18 months, an impeccable credit rating, Halifax can't easily approve me for a Clarity card without wasting time making appointments to visit a branch. I closed the MasterCard and Halifax sent me £10 for my trouble.


    Maybe rules have changed, but Halifax don't make it easy. I'm sticking with my Nationwide Visa card which I believe is still fairly competitive with overseas purchases (I don't need ATM withdrawals).
    Compensations/Refunds from Banks & Institutions - £3,435 | Stooz Profits - £7,636 | Quidco - £3,630

    All with a big thank you to Martin and MSE.com from Mutton Geoff!
    • bigadaj
    • By bigadaj 28th Dec 16, 1:18 PM
    • 8,575 Posts
    • 5,387 Thanks
    bigadaj
    Retired peeps have used credit for many years
    and if used correctly, will go on for many years.

    6
    Originally posted by No_6
    The credit that is, we don't k own about the retired peeps.
    • Jlawson118
    • By Jlawson118 28th Dec 16, 2:43 PM
    • 650 Posts
    • 70 Thanks
    Jlawson118
    I had a Halifax MasterCard with a generous (£12k) limit and 15 months interest free on purchases that I used. Prior to the end of the promotion, I paid off the balance and as I travel abroad a lot, looked online at applying for the Clarity card and at the same time reducing the credit limit since I would be clearing the balance in full every month.


    Their website couldn't handle the "card switch" and asked me to call them. After 30 mins online I was told that I'd need to visit a branch to be ID'd since rules had changed since my original MasterCard application. "No appointment needed", just turn up at any branch. This I did but was told by the branch I needed an appointment of which their next one was 10 days hence! (Cirencester branch). The member of staff there just told me to apply online for the Clarity and close the MasterCard myself after I received the new card.


    This I tried and the application was declined. I don't have any marks on my credit rating and have never missed any payments on anything in over 20 years. I don't have any other debt other than a low LTV mortgage.


    I rang to close the MasterCard and told them I wasn't happy. They tried to pacify me and quickly run through a Clarity application again, telling me my application failed as I'd moved house within the last year. It got to about another 20 mins on the phone and the member of staff said I'd have to go into a branch after all.


    Despite having had the MasterCard for 18 months, an impeccable credit rating, Halifax can't easily approve me for a Clarity card without wasting time making appointments to visit a branch. I closed the MasterCard and Halifax sent me £10 for my trouble.


    Maybe rules have changed, but Halifax don't make it easy. I'm sticking with my Nationwide Visa card which I believe is still fairly competitive with overseas purchases (I don't need ATM withdrawals).
    Originally posted by Mutton Geoff
    Wow that's really bad service on their behalf! I'd have happily stuck with my Lloyds Avios account if it wasn't for the £24 yearly fee. But they wouldn't increase my credit limit, their cards never worked on Apple Pay, and their customer service when dealing with problems was absolutely shocking. Generally I know they're pretty much the same company but I wondered if Halifax would treat me better but perhaps not.

    My girlfriend just tried to open an account with Halifax and they kept asking her to bring in ID to branch. She kept doing so, I think she'd brought this in branch around 3 or 4 times, and eventually they opened her account. She got her card and was about to switch her TSB account over to Halifax, when she got a letter through saying they would close her account down within 30 days if she doesn't bring ID into branch. In the end she stuck with TSB.

    When I closed my Halifax account down a few months ago, it was a pain in the backside too. People wonder why I love First Direct and their customer service so much.. All I had to do was phone up and ask if I could borrow £1000 for a week back in August, they advised me on getting an overdraft and opened it with no problems whatsoever. Their customer service is outstanding and I've never found another bank like them
    • Sncjw
    • By Sncjw 28th Dec 16, 6:20 PM
    • 1,204 Posts
    • 694 Thanks
    Sncjw
    If you don't like Halifax why are you applying for a card from them
    • Jlawson118
    • By Jlawson118 1st Jan 17, 6:47 PM
    • 650 Posts
    • 70 Thanks
    Jlawson118
    If you don't like Halifax why are you applying for a card from them
    Originally posted by Sncjw
    It's not that I don't like Halifax, everything was smooth with them when I was with them until it came to closing down an account I had with them
    • guesswho2000
    • By guesswho2000 1st Jan 17, 11:38 PM
    • 1,524 Posts
    • 706 Thanks
    guesswho2000
    I had a Halifax MasterCard with a generous (£12k) limit and 15 months interest free on purchases that I used. Prior to the end of the promotion, I paid off the balance and as I travel abroad a lot, looked online at applying for the Clarity card and at the same time reducing the credit limit since I would be clearing the balance in full every month.


    Their website couldn't handle the "card switch" and asked me to call them. After 30 mins online I was told that I'd need to visit a branch to be ID'd since rules had changed since my original MasterCard application. "No appointment needed", just turn up at any branch. This I did but was told by the branch I needed an appointment of which their next one was 10 days hence! (Cirencester branch). The member of staff there just told me to apply online for the Clarity and close the MasterCard myself after I received the new card.


    This I tried and the application was declined. I don't have any marks on my credit rating and have never missed any payments on anything in over 20 years. I don't have any other debt other than a low LTV mortgage.


    I rang to close the MasterCard and told them I wasn't happy. They tried to pacify me and quickly run through a Clarity application again, telling me my application failed as I'd moved house within the last year. It got to about another 20 mins on the phone and the member of staff said I'd have to go into a branch after all.


    Despite having had the MasterCard for 18 months, an impeccable credit rating, Halifax can't easily approve me for a Clarity card without wasting time making appointments to visit a branch. I closed the MasterCard and Halifax sent me £10 for my trouble.


    Maybe rules have changed, but Halifax don't make it easy. I'm sticking with my Nationwide Visa card which I believe is still fairly competitive with overseas purchases (I don't need ATM withdrawals).
    Originally posted by Mutton Geoff
    This is shocking, but doesn't surprise me. When I opened my Reward current account in 2012, they sent me paperwork relating to someone else's application in the post, then when trying to sort it out in branch they said the £100 switching bonus couldn't be honoured! It was all sorted out via their complaints department very quickly, so fair enough for that, but the way they run things is a bit of a shambles.

    As for the Clarity card, not sure what their issue is with you having moved within the past 12 months, they gave me one 2 months after I'd moved. Again, this was back in 2012, so maybe things have changed.

    One issue I did have with the Clarity, after a particularly heavy month of foreign cash withdrawals, my limit was cut to £500 without warning. This happened a couple of days after arriving in the UK from Asia, so didn't cause me any grief (and I carry multiple cards anyway) but if this happens to someone while they were away it could cause a real issue. They wouldn't budge on reinstating the limit either.

    If you do want another backup (I assume the Nationwide card you refer to is the Select), the Creation Everyday is basically the same as the Halifax Clarity. I've had no problems with it, though their anti fraud blocking system can be a bit trigger happy and they don't have 24/7 call centres, which can make unblocking it from Australia a bit of a challenge!
    • Mutton Geoff
    • By Mutton Geoff 12th Jan 17, 9:31 AM
    • 771 Posts
    • 602 Thanks
    Mutton Geoff
    I assume the Nationwide card you refer to is the Select
    Originally posted by guesswho2000

    No, it's the old "Nationwide Gold" no longer available to new customers. There is no loading for European purchases, the transactions are at the pure Visa rate. Outside of Europe, there is a 1% "Payment Scheme Exchange Fee" loading on the Visa rate but no other fees (the Select card doesn't have any benefit outside Europe).


    I never use it for cash withdrawals but if I did it would be the Visa rate plus £3 "non sterling cash fee" in Europe and outside Europe Visa rate loaded by 1% (as above) plus the £3 fee (which, again, the Select card doesn't offer). So in all, it's identical to the Select in Europe and 1% more outside of Europe. I think I'll hang onto it!


    http://www.nationwide.co.uk/support/travel/fees-charges
    Last edited by Mutton Geoff; 12-01-2017 at 9:32 AM. Reason: Added Nationwide fees link
    Compensations/Refunds from Banks & Institutions - £3,435 | Stooz Profits - £7,636 | Quidco - £3,630

    All with a big thank you to Martin and MSE.com from Mutton Geoff!
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