Cheap Travel Money Discussion Area

jackieblack

NiftyDigits wrote: »

To be fair, pre-loading the card is not against the T&C.

Since this has been often mentioned on the forum, I decided to take a look for myself.
Pre-loading the card is not against the T&C. What is against the T&C is to attempt to increase your credit limit by using another credit or charge card account to transfer funds that would leave a credit on your account.
In other words it is perfectly acceptable to transfer funds from your bank account.

Clarity Credit Card T&C



So now you know.

On the paper T&C sent to me when I opened the account (several years ago), it does state that you must not make a payment to your account greater than the outstanding amount so as to put your account into credit, so this must have changed.
Also, there have been reports from people who have had their cards stopped, and this was the reason they were given.

I'm happy to know this is no longer the case

zagfles

NiftyDigits wrote: »

To be fair, pre-loading the card is not against the T&C.

Since this has been often mentioned on the forum, I decided to take a look for myself.
Pre-loading the card is not against the T&C. What is against the T&C is to attempt to increase your credit limit by using another credit or charge card account to transfer funds that would leave a credit on your account.
In other words it is perfectly acceptable to transfer funds from your bank account.

Clarity Credit Card T&C



So now you know.

Eh??

It says "You must not make payments or transfer funds from another credit or store card to your account that would leave a credit balance on your account."

So you can't make payments that leave a credit balance on your account.

zagfles

jackieblack wrote: »

On the paper T&C sent to me when I opened the account (several years ago), it does state that you must not make a payment to your account greater than the outstanding amount so as to put your account into credit, so this must have changed.
Also, there have been reports from people who have had their cards stopped, and this was the reason they were given.

I'm happy to know this is no longer the case

It is the case. Read the T&Cs quoted above carefully.

Christina1982

Oh this is confusing me I will def be reading terms when my card arrives

jackieblack

zagfles wrote: »

It is the case. Read the T&Cs quoted above carefully.

Yes, having re-read it I agree

NiftyDigits

Agreed, now that I have re-read it. Put the emphasis on the credit and store card.

BobbinAlong

I converted my Halifax credit card to a Clarity one before my holidays thanks to MSE.
Used it in Auchan and was given the option of paying in Euros (138 euro) or sterling (£128 was offered) so I remembered the MSE advice and chose Euros. Now my statement has come through and I've actually paid £116.
Thank You MSE :T

John_Pierpoint

Lucky you, I was told the machine had made the decision for me.
Perhaps my subsequent advice to block the checkout at Auchan, by apologising to the queue while elaborately counting out the individual Euro notes and coins, has born fruit.
Anyone else able to confirm this is now the correct policy at Auchan hypermarkets.

Christina1982

I'm sorry to be stupid.... Is it better to put money onto clarity card and then withdraw abroad using that?

jackieblack

Christina1982 wrote: »

I'm sorry to be stupid.... Is it better to put money onto clarity card and then withdraw abroad using that?

There has been some confusion, but the following appears to stand as true:)

jackieblack wrote: »

While some people do seem to be able to get away with this, pre-loading the card is against the t&c and could result in the account being frozen