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Inform Halifax about use of card abroad?
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# 1
bzd
Old 04-04-2011, 10:14 AM
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Default Inform Halifax about use of card abroad?

Hi all,

As recommended on this website I have a Halifax Clarity card for use abroad.

Do I need to phone Halifax to say I'm going to be using it abroad to avoid it being rejected or temporarily suspended or can I just go ahead and use it when on holiday?

Thanks for any (relevant) advice,

Ben
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# 2
lisyloo
Old 04-04-2011, 10:48 AM
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Well in theory you shouldn't need to, but it could help avoid problems especially if you are going somewhere unusual or visiting lots of places on a cruise ship.
Use in lots of different places could be picked up as fraud.
Personally I always tell them.

Also take a back up card just in case mag strip fails or one gets lost/stolen.
If going out close to your base then I would only take what you need (cash for a taxi to get back) and leave the rest in the safe at the hotel. Don't carry your wordly goods around with you.
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# 3
hunsbury0
Old 04-04-2011, 11:31 AM
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Quote:
Originally Posted by bzd View Post
Hi all,

As recommended on this website I have a Halifax Clarity card for use abroad.

Do I need to phone Halifax to say I'm going to be using it abroad to avoid it being rejected or temporarily suspended or can I just go ahead and use it when on holiday?

Thanks for any (relevant) advice,

Ben
I am going abroad. I rang them & they filled out a "holiday" form.
It is best to advise them & also take other cards as a backup.
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# 4
Degenerate
Old 04-04-2011, 6:35 PM
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Some providers say not to bother informing them, others say they want to be told. Halifax are in the latter category.
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# 5
Biggles
Old 04-04-2011, 7:54 PM
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Nationwide always say 'No, you don't need to tell us'.

But most of the others, and Halifax is definitely one of them, do ask that you tell them, and they record it.
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# 6
Colincbayley
Old 04-04-2011, 8:00 PM
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I have been using a Halifax Clarity card abroad since last year, never told them I was going and I use it regular. Never had any problems.
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# 7
Brodiebobs
Old 04-04-2011, 8:03 PM
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i never told them when i've been abroad, which has been a few times... oddly when used to book a group outing in york (i'm in west yorkshire) they called me to ask security questions as it flagged as fraud!!!?
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# 8
CpdButWhy
Old 05-04-2011, 6:06 PM
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Quote:
Originally Posted by Biggles View Post
Nationwide always say 'No, you don't need to tell us'.

But most of the others, and Halifax is definitely one of them, do ask that you tell them, and they record it.
Not anymore. They (Nationwide) now recommend that you tell them, and they also provide a specialized page for it on their Internet Banking site.
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# 9
Biggles
Old 05-04-2011, 7:15 PM
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Originally Posted by CpdButWhy View Post
Not anymore. They (Nationwide) now recommend that you tell them, and they also provide a specialized page for it on their Internet Banking site.
That's new (certainly within the last three months).
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# 10
Venusflytrap
Old 05-04-2011, 7:50 PM
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I have the clarity card and always alert them before travels abroad.

Halifax advised to give at least a week's notice.
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# 11
CpdButWhy
Old 06-04-2011, 1:56 PM
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Originally Posted by Biggles View Post
That's new (certainly within the last three months).

More like a half year. I used the page in October.
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# 12
chanz4
Old 06-04-2011, 2:19 PM
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I would inform all providers, then they cant say you have not done.
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# 13
mancini601
Old 06-04-2011, 3:26 PM
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I've always informed the Halifax. As mentioned by someone else, they fill out a holiday form.

The form is card number, country where you are travelling to etc etc. They complete this with you over the phone
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# 14
Biggles
Old 06-04-2011, 4:12 PM
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Quote:
Originally Posted by CpdButWhy View Post
More like a half year. I used the page in October.
I rang them in mid-December and, as usual, they told me they didn't need to know. Go figure.

But I have always rung them anyway just in case their policy has changed. I don't always read all the small print of the new T&Cs that are sent to me!
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# 15
ahxcjb
Old 02-05-2011, 11:33 PM
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Quote:
Originally Posted by Degenerate View Post
Some providers say not to bother informing them, others say they want to be told. Halifax are in the latter category.
That's funny, as I've used my Clarity card in around 6 European (West and East) countries without previously advising them, and all transactions have been authorised without issue.
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# 16
Mikhail
Old 03-05-2011, 1:23 AM
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Storm in a teacup!
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# 17
Degenerate
Old 03-05-2011, 3:08 AM
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Quote:
Originally Posted by ahxcjb View Post
That's funny, as I've used my Clarity card in around 6 European (West and East) countries without previously advising them, and all transactions have been authorised without issue.
They say they want to be informed. That doesn't mean that any foreign transactions will be automatically declined, but your chances of having trouble are greater if you don't follow their recommendation.

Most companies use automated systems that look at usage patterns for potential fraud, so I suspect it goes like this: Automated system spots pattern of foreign transactions it decides looks suspicious. Alert pops up in fraud department. Person in fraud department see note on your account that you are holidaying in that country and cancels the alert. If there is no note your account gets blocked until they can contact you, or you call in.

I know Halifax definitely use such systems because I got a call yesterday regarding a foreign transaction I made over the internet with my Clarity card. I imagine the systems weigh up a lot of factors, so for example Chip and PIN authorized transactions are more likely to go through unhindered.

Last edited by Degenerate; 03-05-2011 at 3:19 AM.
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# 18
rb10
Old 03-05-2011, 7:29 AM
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Quote:
Originally Posted by Degenerate View Post
Most companies use automated systems that look at usage patterns for potential fraud, so I suspect it goes like this: Automated system spots pattern of foreign transactions it decides looks suspicious. Alert pops up in fraud department. Person in fraud department see note on your account that you are holidaying in that country and cancels the alert. If there is no note your account gets blocked until they can contact you, or you call in.
I believe it's a little more automated with that at Halifax, but that's the general idea!
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# 19
Venusflytrap
Old 03-05-2011, 5:40 PM
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If only like Barclaycard you could just enter your travel dates online...a call each time is a bit of a bother IMO!
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