Halifax Clarity Credit Card for GBP - USD

Schmutz_2

Candyapple wrote: »

Have you tried applying for the Creation card? You should get a decent limit to save faffing about with the low limit Clarity card.

https://forums.moneysavingexpert.com/discussion/5103888

Thanks and if anything, like in the first response to that thread, two cards will give better flexibility.

My Halifax Clarity Card arrived and is set up. £600 limit. I see that the credit is reviewed after 6 months use, I want to go into the bank to request an increase, is that worth doing? I've made a purchase on amazon.es, and €400.29 cost £296.35. =1.3507. Post Office offer around 1.32.

Savings are nice when you increase;

£5000 * 1.3507 €6753.50 = Halifax Clarity
£5000 * 1.3200 = €6600.00 = Post Office

I set up my account for full monthly direct debit payments - but in the paper work (and per my understanding) I should be able to make payments at any time onto the account to recover the credit - how do I do that?

grumbler

>> Halifax Clarity - ways to make extra payments?

Schmutz_2

Update; I've now set up the clarity card as a payee on my Natwest Debit card. Can use the natwest online banking app to quickly recover the credit limit for transactions.

I've added a planned trip to both my Debit (natwest) and credit (halifax clarity) cards - to let the bank know I'm overseas.

So I guess that's all sorted and paying off the clarity should be straight forward.

My brother, who I am going with has now also applied for the Clarity card and was quoted £1000 limit, so if that goes through all ok we should be in a good position.