Halifax Clarity Credit Card

antonymp

I got this Card for my Holiday to the USA in March the trouble is Halifax only gave me a £500 limit at the moment, so I was wondering and if anyone can tell me, if I reached the limit can I pay the balance off straight away Online via Bank Transfer while I'm away then once cleared, use it all over again?

any advice would be much appreciated.

k12479

Yes, you can. But bear in mind that transfers won't register immediately and don't put a positive balance on it.

itsanne

I've seen others say not to put a positive balance on. However, when I got mine I did and had no problems.

lisyloo

I've seen others say not to put a positive balance on. However, when I got mine I did and had no problems.

That means you got away with it.
Doesn't mean it's a sensible thing to do.
It's against the terms and conditions and could result in your card being stopped.
Is it worth it to say tuppence happeny in interest?

Oh and if your money is stolen or used fraudulently then don't expect Halifax to help you because it probably won't be covered on their insurance.

You just got lucky.

knightstyle

One thing we do when going away is to set up a bill payment to our Halifax Clarity card to be paid a few days after we arrive abroad. Then when we arrive we make cash withdrawals in the first couple of days.
This is easy to set up before you leave, will avoid interest charges on the cash withdrawn and leaves you free to spend more on the card.

itsanne

knightstyle wrote: »

One thing we do when going away is to set up a bill payment to our Halifax Clarity card to be paid a few days after we arrive abroad. Then when we arrive we make cash withdrawals in the first couple of days.
This is easy to set up before you leave, will avoid interest charges on the cash withdrawn and leaves you free to spend more on the card.

That's roughly what I did. It does put a positive balance on it, though, which lisyloo (rather harshly :cool:) and k12479 are warning against.

YorkshireBoy

itsanne wrote: »

lisyloo (rather harshly :cool:) and k12479 are warning against.

Harsh!? No. Useful?...very much so.

The OP would be well advised to heed the points it raised.

But it's not just those posters who are advising against it. Even your T&Cs prohibit pre-loading the card. Had you noticed?

There was a thread on here a few years ago where someone in the OP's position was advised by a Halifax credit card staff member to pre-load the card. They did so, and were then stranded in the USA on honeymoon without access to funds when Halifax froze the account.

Chadsman

I was going to use my clarity card as a mule for stoozing- withdrawing the cash from an ATM. I looked through the t&cs and couldnt see anything to say you cant have a positive balance on the card.
Why do you say it isnt allowed? Does it prohibit it in the terms and I missed it?

YorkshireBoy

Chadsman wrote: »

Why do you say it isnt allowed? Does it prohibit it in the terms and I missed it?

Yes...

http://www.halifax.co.uk/creditcards/low-rate-no-fee/clarity-card/terms/ (see condition 16.9)

lisyloo

which lisyloo (rather harshly :cool:)

Thanks a lot Anne.
I will now stop trying to help people if all I'm going to get is abuse.
I will simply now be making money for number 1.

Thanks a lot !!

knightstyle

Just to say itsanne and others that the method I posted above and have used many times DOES NOT put a positive balance on the card!
For example if I go away on the 10th of a month I arrange with my bank for a payment to go to my Clarity card on the 14th, this gives a few days to withdraw cash. Easy to do and keeps intrest charges down to a few pence.