Alternative to Halifax Clarity

OIKY

i'll still wait for you to make a purchase though before i rush out and get one though

Roger1

Roger1 wrote: »

They couldn't answer properly, would check and call me back. Still waiting ...

Lo and behold, they called today, apologised for the delay and confirmed the 0% FX fee.

bonjan

A couple of minor details:
- It does not seem to be contactless.
- You don't get the monthly £5 that you get on the Clarity if you happen to have a current account with Halifax and spend more than £300 a month.

Still welcome.

xkpa

Today I was just declined for ASDA credit card, which is issued by Creation too. What do you think - is it worth to give this one a try? Thanks

baby_frogmella

Couple of questions:

1) Do Creation accept Faster payments?

2) Do Creation show the exchange rate applied for forex transactions on their online recent transactions? Halifax/Lloyds do NOT show this, except on the full statement produced each month.


screen shot pc

Roger1

bonjan wrote: »

- It does not seem to be contactless.

I can live with that. That's only valid in the UK for purchases <£20. For purchases of >£20, contactless doesn't work anyway. Not sure about outside the UK.

- You don't get the monthly £5 that you get on the Clarity if you happen to have a current account with Halifax and spend more than £300 a month.

It's not a Clarity card, and I don't get the monthly £5 as a non-Halifax acount holder.

baby_frogmella wrote: »

1) Do Creation accept Faster payments?

Too soon to know, for me. I suspect the answer would be yes.

2) Do Creation show the exchange rate applied for forex transactions on their online recent transactions? Halifax/Lloyds do NOT show this, except on the full statement produced each month.

Again, I don't know yet. I suspect not, like most (all?) other cards.

glider3560

Roger1 wrote: »

I can live with that. That's only valid in the UK for purchases <£20. For purchases of >£20, contactless doesn't work anyway. Not sure about outside the UK.

It also functions outside the UK. In some countries (e.g. Poland) contactless was brought in at the same time as chip+pin so some places get confused when you have a non-contactless card with a chip.

baby_frogmella

baby_frogmella wrote: »

2) Do Creation show the exchange rate applied for forex transactions on their online recent transactions? Halifax/Lloyds do NOT show this, except on the full statement produced each month.
]

Roger1 wrote: »

I suspect not, like most (all?) other cards.

From my experience, many other debit/credit/charge card issuers do show the forex rate used on recent transactions eg
American Express
First Direct
Barclaycard
HSBC
Nationwide
Norwich & Peterborough
Virgin Money

bonjan

Roger1 wrote: »

I can live with that. That's only valid in the UK for purchases <£20. For purchases of >£20, contactless doesn't work anyway.
Not sure about outside the UK.It's not a Clarity card, and I don't get the monthly £5 as a non-Halifax acount holder.

Agreed, I said minor Another card with no forex transaction and cash withdrawal fees is always welcome, good to have multiple options to choose from.

jumperabv3

Heng_Leng wrote: »

Ideal for people who dislike or have acceptance issues with Halifax / LBG.

LBG = ???

:eek: