Halifax Clarity Credit Card

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antonymp
antonymp Posts: 73 Forumite
edited 19 January 2014 at 8:40PM in Credit cards
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.
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  • k12479
    k12479 Posts: 719 Forumite
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    Yes, you can. But bear in mind that transfers won't register immediately and don't put a positive balance on it.
  • itsanne
    itsanne Posts: 4,992 Forumite
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    I've seen others say not to put a positive balance on. However, when I got mine I did and had no problems.
    . . .I did not speak out

    Then they came for me
    And there was no one left
    To speak out for me..

    Martin Niemoller
  • lisyloo
    lisyloo Posts: 29,639 Forumite
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    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
    knightstyle Posts: 7,011 Forumite
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    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    This is easy to set up before you leave, will avoid interest charges on the cash withdrawn and leaves you free to spend more on the card.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
    itsanne Posts: 4,992 Forumite
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    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.
    . . .I did not speak out

    Then they came for me
    And there was no one left
    To speak out for me..

    Martin Niemoller
  • YorkshireBoy
    YorkshireBoy Posts: 31,541 Forumite
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    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
    Chadsman Posts: 1,100 Forumite
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    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?
    God save the King!
    I'll save Winston Churchill, Jane Austen, J. M. W. Turner and Alan Turing.
  • YorkshireBoy
    YorkshireBoy Posts: 31,541 Forumite
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    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
    lisyloo Posts: 29,639 Forumite
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    edited 21 January 2014 at 8:56AM
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    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
    knightstyle Posts: 7,011 Forumite
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    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.
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