Halifax Clarity Strange Limit

barneygumble

I've applied for a clarity card today to take abroad. Everything was OK with the application, but the estimated credit limit said £1.00.

Anyone else experienced this?

andyfromotley

Spend it wisely, pay it back in full each month, and before you know it they will increase it to £5!! :-)

Serendipitious

andyfromotley wrote: »

Spend it wisely, pay it back in full each month, and before you know it they will increase it to £5!! :-)

And stay within the limit of course

Best ring and ask them I think.

barneygumble

I'll wait to see what comes through the post.
It was only to use in the states in emergencies, so it's of no hardship if they do issue a daft limit of £1.
Although I'm sure it would be a bit pointless on their part.

Wise_Old_Man

You'll find that the min limited with most credit cards is 500

reclusive46

barneygumble wrote: »

I'll wait to see what comes through the post.
It was only to use in the states in emergencies, so it's of no hardship if they do issue a daft limit of £1.
Although I'm sure it would be a bit pointless on their part.

It's a bug with the Lloyds banking group application system at the moment. I wouldn't worry. Give them a ring if you want to find out the limit.

Yorkshire_Woody

I was disappointed with the Clarity card when I recently (3 weeks ago) used it abroad to realise the exchange rate given was only €1.28, when the standard rate was €1.34. Never again, take cash.

YorkshireBoy

Yorkshire_Woody wrote: »

I was disappointed with the Clarity card when I recently (3 weeks ago) used it abroad to realise the exchange rate given was only €1.28, when the standard rate was €1.34. Never again, take cash.

Or, alternatively, pay in Euros and don't get stung with dynamic currency conversion (DCC).


It would appear you let the overseas merchant, or bank if ATM withdrawals, do the conversion, not Halifax.

planteria

ive never seen anything like that. Barclaycard firmly held my limit at £380 a few years ago, but £1:eek:.. it will arrive with £500 or so, i suspect.

SnowTiger

Yorkshire_Woody wrote: »

I was disappointed with the Clarity card when I recently (3 weeks ago) used it abroad to realise the exchange rate given was only €1.28, when the standard rate was €1.34. Never again, take cash.

It's worse than you thought. Mastercard rate was €1.36+ to £1 three weeks ago. See https://www.mastercard.com/global/currencyconversion/.

As others have mentioned, you probably paid in pounds and not Euros.

It's easy to mess up. I bought a coffee at Guangzhou airport in China two weeks ago. CNY78. I didn't realise at the time that would be £7.86!!! It's the most expensive coffee I've ever bought. Small, too; but pretty: