Overseas ATM withdrawals - Halifax Clarity Card

wincler

Just to let you know the Halifax Clarity card only allows you to withdraw half of your agreed credit limit for cash withdrawals.

boo_star

Don't most credit cards have a limit on cash withdrawals?

Not even foreign cash withdrawals, domestic ones too.

Middle_Sister

Thank goodness you told us that. Completely unaware of this restriction. Many thanks.

Middle_Sister

Could you get round this by checking online and transferring money as soon as it's taken out thereby always being on top of it.

SnowTiger

boo_star wrote: »

Don't most credit cards have a limit on cash withdrawals?

Not even foreign cash withdrawals, domestic ones too.

Yes. Debit cards, too. Daily withdrawal limits.

Things can get a bit panicky when you're a long way from home and need cash urgently.

A similar thing happened to me. I needed to withdraw PHP60,000 here in the Philippines over a weekend. Very difficult, but fortunately I had multiple cards.

I guess, in hindsight, a money transfer would have been a better solution. :rotfl:

grumbler

wincler wrote: »

... When I contacted bank on return they just said i should read the terms and conditions and most people use the card for purchases abroad.They were not apologetic at all. In the advertising of this card they do not highlight this because it is a big negative.

http://www.halifax.co.uk/creditcards/low-rate-no-fee/clarity-card/#Summarybox

Your cash limit is 50% of your actual limit.

Not all people read the full T&C, but all reasonable people read the Summary Box at least.

Nasqueron

wincler - on the "Summary" box on the Halifax Clarity card page it states

Credit limit Minimum credit limit £500. Your cash limit is 50% of your actual limit.

This is the same page you use to apply for the card on the Halifax website. It's not actually specifically listed in the Terms and Conditions of the account, but under 15.4 it does state that

We may refuse to carry out a Transaction or to allow you to make a payment into your account (as appropriate) if:

• you have exceeded a limit which we have applied to your account or in relation to the Transaction (such as a daily limit on Cash Withdrawals, if we apply one);

boo_star

SnowTiger wrote: »

Yes. Debit cards, too. Daily withdrawal limits.

Things can get a bit panicky when you're a long way from home and need cash urgently.

A similar thing happened to me. I needed to withdraw PHP60,000 here in the Philippines over a weekend. Very difficult, but fortunately I had multiple cards.

I guess, in hindsight, a money transfer would have been a better solution. :rotfl:

I was talking about cash advance limits vs overall credit limits rather than daily limits.

ManAtHome

In the summary it states cash advance limit is half your credit limit, so hardly hidden away... http://www.halifax.co.uk/creditcards/low-rate-no-fee/clarity-card just how much stuff are they supposed to put in 48 point text before it gets read?

[edit] cheers posts 6 & 7 - bleedin android tablets - bah humbug!!

System

What kind of 'hotel' doesn't take MasterCard?

Anyway, poor preparation is the root cause of your whole predicament not you having a Clarity card.

wincler wrote: »

Just to let all of you that are not aware that if you are thinking of getting the Halifax Clarity card you are only allowed to withdraw half of your agreed credit limit for cash withdrawals. I have just had a bad experience using the card in Turkey as I was maxed out having paid the hotel bill in cash as they requested. Could not get any more out of any atm ( trailing between atm's in 40 dgree heat ):mad: so had to call the bank in UK ( paid by me as I could not reverse the charges) and had to do a hasty credit check. When I contacted bank on return they just said i should read the terms and conditions and most people use the card for purchases abroad.They were not apologetic at all. In the advertising of this card they do not highlight this because it is a big negative. So be sure to get a decent credit limit on your card or you will also have a problem.:mad:

pvt

wincler wrote: »

so had to call the bank in UK ( paid by me as I could not reverse the charges)

Why on earth would you have expected your bank to accept a reverse charge call?

Were you in Turkey or, as it appears to me, on a different planet?