Halifax Clarity - adding money before spending

sarah69696pink

Hi All,
I know you are not supposed to add money to a credit card before spending it. However I wondered what happens if you do this?
I'm off on hols soon and have the halfiax clarity card. I wondered if I uploaded £500 on the Friday and then withdrew it when abroad on the Sat if that would work? And then during the holiday do the same again a few more times. So the money wouldn't be sat there for days but equally I wouldn't have to worry about interest charges.
If you've done this successfully can you please let me know - or equally if this has not worked or you've been charged or something it would be great to be aware of this.
Thanks

YorkshireBoy

I wish I'd a pound for every time this question has been asked on here.

It's against your T&Cs (condition 16.9) to pre-load.

They may block the card (they have with others...search the forum), so take a more expensive card with you as well.

The 'saving' in interest for you would be around 83p*. Worth the risk?


* Based on 12.9% APR and paying off the day you return.

yaya147

Yes this is true i agree with you

The_Boss

YorkshireBoy wrote: »

I wish I'd a pound for every time this question has been asked on here.

The search function obviously isn't working.

knightstyle

You can arrange for your bank to transfer money to your Clarity card at a date in the future. I usually arrange a couple of payments for my hols.

Karnage

I have been using my Halifax clarity card for 15months in Australia, and I practically live of it, I even pay for my rent with it! I have only accidently paid interest once (23p, which was a user error and 1 days interest). The current balance is pretty accurate before the transaction clears, so using a mobile app and a nearby WiFi connection you can send the money to the card immediately (add about 2% onto the pending balance). I have never had a problem with doing this and Australia isn’t particular cheap . This really is probably the best card for traveling anyone could have, saves me a fortune.

sarah69696pink

Thanks all so much - I posted from my mobile so couldn't get the search thing to work properly. But thanks for taking time to answer anyway - much appreciated! Setting up payments in advance is a great idea. About to leave for airport so will do that.