Halifax clarity

jblakes

Well that's what you get for not reading requirements. I haven't got a ultimate account just reward account. Guess I will be moving to a better card.

Is it worth keeping to use abroad or any better out there?. As you can see from my last sentence I'mclueless lol

noh

jblakes wrote: »

Well that's what you get for not reading requirements. I haven't got a ultimate account just reward account. Guess I will be moving to a better card.

Is it worth keeping to use abroad or any better out there?. As you can see from my last sentence I'm clueless lol

You don't need an Ultimate Reward account.

You need to have a Reward Current Account that you receive the Reward on ie pay in £750 per month and have two active DDs.
Or you need to have an Ultimate Reward account.

Call them and ask why you have not been receiving the £5 Reward payment to your CC account.

jblakes

oh thanks for that. I need to go bank tomorrow anyways so i shall be asking the question.

thanks JB

Zanderman

noh wrote: »

You don't need an Ultimate Reward account.

You need to have a Reward Current Account that you receive the Reward on ie pay in £750 per month and have two active DDs.
Or you need to have an Ultimate Reward account.

Call them and ask why you have not been receiving the £5 Reward payment to your CC account.

The terms (for the clarity card) categorically state £1000 pay in (to your Rewards account) to qualify for the Clarity account's £5 monthly reward - so probably best to stick to that amount.

True the requirement for the Rewards account's own £5 monthly reward was reduced from £1000 to £750, and maybe that should have been updated in the Clarity conditions, but it hasn't, so it may still be a requirement.

The formal T&C must be assumed to apply, not assumptions based on what we think they should say.

noh

Zanderman wrote: »

The terms (for the clarity card) categorically state £1000 pay in (to your Rewards account) to qualify for the Clarity account's £5 monthly reward - so probably best to stick to that amount.

True the requirement for the Rewards account's own £5 monthly reward was reduced from £1000 to £750, and maybe that should have been updated in the Clarity conditions, but it hasn't, so it may still be a requirement.

The formal T&C must be assumed to apply, not assumptions based on what we think they should say.

I agree.

The T+Cs don't state "Reward Account" they say:-
(a) hold a Halifax current account and pay in £1,000 or more each month;


http://www.halifax.co.uk/bankaccounts/

Therefore strictly speaking £1000 into any of their current accounts should qualify with no requirement for any DDs to be paid.

My previous comments were based on what I was told by customer services.
ie if you qualify for the £5 reward on your current account then you will get the £5 reward paid to your credit card account provided you meet the conditions for that.

I do pay £1000+ monthly into my Halifax Current account and to each of my three Reward accounts.
In my case and so it seems with others, who recently got the Clarity card, Halifax do seem to have difficulty in automatically making the payment if due.

Zanderman

noh wrote: »

The T+Cs don't state "Reward Account" they say:-
(a) hold a Halifax current account and pay in £1,000 or more each month;

Indeed - there's no mention of a Rewards account being needed!

I'm sure those same terms did mention Rewards when I first looked, but they definitely don't now.

So as noh says above, any Halifax current account should be ok, as long as you pay in £1000 per month.

It may be the case that some people with a Rewards account, paying £750 a month into that to activate the £5 Reward will not be getting the additional Clarity Credit card reward simply because they need to pay-in an extra £250 to the Rewards account.

So, if you have a Clarity Card, be sure to pay-in £1000, not just £750 to your Rewards (or other Halifax current) account.

charlotte1989_2

Hi,
just a quick question. Just looking at getting my first credit card. I'm going to India and heard that the Halifax Clarity is the best card to use abroad.
Just getting my head around this credit card stuff...
If I withdrew say £700 in my 3 weeks in India, if I paid this off as soon as I got back, would the interest still apply? Confused!

matty_544

charlotte1989 wrote: »

Hi,
just a quick question. Just looking at getting my first credit card. I'm going to India and heard that the Halifax Clarity is the best card to use abroad.
Just getting my head around this credit card stuff...
If I withdrew say £700 in my 3 weeks in India, if I paid this off as soon as I got back, would the interest still apply? Confused!

The Interest would still apply and from the day u withdraw the money. Any chance of getting online and paying it off as soon as u withdraw it. Thats what i did in Denmark when i was over there.

charlotte1989_2

Thanks, ill try and do that!

charlotte1989_2

this APR thing confuses me..if I couldnt access my bank, would I get charged 12.9% on 700 in those 3 weeks? Or something diferent because APR is the annual? I hate money and dealing with finances!