Idea's what to spend on Halifax clarity card - For Cashback

atlantis187

I'm wanting to get a halifax clarity card mainly because of the cashback each month.

The problem is roughly my total spend each month is around £200 this is for petrol/food. Leaving me £100 short to meet the criteria.

All my bills are paid by direct debit.

Has anyone got any idea's what else I could spend on the card to reach £300.

izools

You could set up a couple of utilities as recurring card auths but this has risks i.e. you can't cancel it yourself like a DD even if you report your card stolen.

opinions4u

atlantis187 wrote: »

I'm wanting to get a halifax clarity card mainly because of the cashback each month.

The problem is roughly my total spend each month is around £200 this is for petrol/food. Leaving me £100 short to meet the criteria.

All my bills are paid by direct debit.

Has anyone got any idea's what else I could spend on the card to reach £300.

First of all, it's an absolutely totally false economy to spend extra money to save £5. So you need to replace existing spending.

You also need to be aware of places that apply a surcharge for credit card payment and not get sucked in to paying this in order to trigger a fiver for yourself.

So some thoughts (it would be easier if you could tell us what you spend on your debit card at the moment):

- do you have a partner who can do their spending on an additional card on your account?

- other car expenses (service, MOT, insurance etc).

- online shopping (CDs, DVDs).

- clothes shopping.

- rail / tube fares.

- holiday

- utility bills (e.g. water, gas, electricity) on recurring payment authorities (Care to make sure they don't remove direct debit discounts for this)

- Sky accept recurring payment authority to a credit card

- if you live at home with parents, instead of paying them rent offer to fill their cars up with petrol to the same value!

- home insurance renewal

Look at the spending on your normal current account and if there's no cost to switching it over to your credit card simply do that.

Just make sure you don't spend extra overall and perhaps, as you spend on the card, move funds in to an easy access savings account to earn a little bit of interest until the credit card bill comes.

atlantis187

To be totally honest with u am not a fan of recurring payments method with company. This is basically giving a company a free for all on my card.

I own my own home with is mortgaged thru first direct. My partner doesn't like using credit cards as she find it easier to keep a check of all her spending using a debit card.

The following are the direct debits is pay

• mortgage
• sky
• gas/elec
• x2 mobile phone contracts

water company will charge me extra for paying with credit card
tv licence paid upfront each April

need to check about the council tax though.

Has anyone got any other idea's

Scrounger

Maybe you could make additional payments to your mobile phone contract(s):
eg my Orange contract usually comes in at £19.99/month (paid by direct debit). What I do is make an additional payment to Orange of £19 from my Halifax clarity card and then Orange take only the remaining 99p by direct debit.

I don't know if this works for all networks.

Scrounger

Jammi

atlantis187 wrote: »

Has anyone got any other idea's

Council Tax should be a good one. I pay mine with a credit card to get cash-back.

If you are still not able to acheive a £300 spend, you could consider the Egg World mastercard or Capital One for money back on all your purchases.

izools

Different local authorities charge differently. Mine put it through as a cash transaction and won't do it recurring.

I daren't even set up a DD with them as last time I did they took the whole year in one go. I told them this was wrong and did an indemnity claim, set up a monthly payment plan, sent the first payment by SO, and they sent the rest of the balance to their DCA department!

Bonkers. I only ever pay the **ity Council by SO now.

simongregson

atlantis187 wrote: »

tv licence paid upfront each April

You can pay TV licence by credit card online or by phone, no extra fee.

I realise this only helps next April!