Halifax Clarity

Twisted_Spirit

Afternoon Folks

I'm looking at applying for a Halifax Clarity card to take with me to Florida in December.

Should I apply for one now or wait until nearer the time?

Any benefits of either?

Thanks

Halifax Clarity - MSE

thebritishbloke

If you wait until nearer the time, depending on how your current credit situation is, you may get a higher credit limit. That's about it though, as there's no introductory 0% on the Clarity.

anamenottaken

Twisted_Spirit wrote: »

Afternoon Folks

I'm looking at applying for a Halifax Clarity card to take with me to Florida in December.

Should I apply for one now or wait until nearer the time?

Any benefits of either?

Thanks

Halifax Clarity - MSE

If you apply for one now:
- you may be able to request an increased limit before you travel
- you can earn £5/month in the meantime if you qualify (including holding a Halifax current account)
- you'll have certainty in knowing that you have the card

If you leave it to later:
- your starting limit may be no higher than now and may lead you to want another card as well
- you'll not earn the £5/month
- you may find you don't receive the card in time

guesswho2000

More cons of waiting to apply later -
1) something may happen to your credit worthiness for some reason which means you don't get accepted;
2) Halifax may stop offering the card.

A pro of applying now -
1) if you get declined now, you can have another shot in six months time perhaps.

I'd just apply now, unless there's a credit report related reason not to.

Twisted_Spirit

That was a nice, easy and painless credit card application.

I might make a purchase a month between now and December to build a good relationship with Halifax.

PeacefulWaters

Twisted_Spirit wrote: »

That was a nice, easy and painless credit card application.

I might make a purchase a month between now and December to build a good relationship with Halifax.

If they allocate a low credit limit I'd suggest using it three or four times a month for purchases and clearing the balance in full.

Then there's the chance of a credit limit increase prior to your trip overseas.

bouncydog1

Did they confirm success?

Twisted_Spirit

Yup, got accepted straight away!

Focused

Good stuff, we did exactly the same when we went to Florida a few years back.

We've used it since then when we've gone on holiday, never gets used here in the UK.

cupofjava

Hi, I have a Halifax Reward Current Account, but I don't have the clarity credit card. When I signed up, it said i could sign up to the card and get £5 cashback a month when i spent over £300. However, now I can't find this anywhere and it doesn't say it on their website... so is this still the case? and is it on top of the £5 I already get from the reward account? IE. is it the £10/month reward?

Wammer

Yes you get £5 for the Rewards current account if you meet the conditions and another £5 if you spend £300 on the Clarity card.