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Credit Card Choice Clarity or Select

2010
2010 Posts: 5,444 Forumite
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It`s between the Halifax Clarity card or the
Nationwide Select card
Having looked at both I can`t see as there`s much difference.
Opinions please.

Comments

  • SnowTiger
    SnowTiger Posts: 4,461 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    2010 wrote: »
    It`s between the Halifax Clarity card or the
    Nationwide Select card
    Having looked at both I can`t see as there`s much difference.
    Opinions please.

    For abroad?

    Halifax Clarity offers free cash withdrawals. And a free fiver if you have a properly funded Halifax Rewards account (£1,000 per month). Make that a tenner if you set up a couple Direct Debits on the Rewards account.

    Nationwide Select doesn't offer free cash withdrawals, but does offer 0.5% cashback on "pounds sterling" purchases only.

    Both offer commission-free purchases abroad.

    You have to hold a Nationwide Current Account to get their Select Credit Card: "Exclusively for our main current account customers."

    I have both. A backup is useful. :)
  • 2010 wrote: »
    It`s between the Halifax Clarity card or the
    Nationwide Select card
    Having looked at both I can`t see as there`s much difference.
    Opinions please.
    Clarity is a MasterCard, Select is a Visa. Does that influence you one way or the other?
    Are you for real? - Glass Half Empty??
    :coffee:
  • SnowTiger wrote: »
    I have both. A backup is useful. :)
    Ditto; agreed :T
    Are you for real? - Glass Half Empty??
    :coffee:
  • 2010
    2010 Posts: 5,444 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    SnowTiger wrote: »
    For abroad?

    Halifax Clarity offers free cash withdrawals.

    Free cash withdrawals abroad?
  • 2010
    2010 Posts: 5,444 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Clarity is a MasterCard, Select is a Visa. Does that influence you one way or the other?

    Not really.
  • SnowTiger
    SnowTiger Posts: 4,461 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    2010 wrote: »
    Free cash withdrawals abroad?

    Yes, but you're charged interest from the day the withdrawal hits your statement.
  • SnowTiger wrote: »
    Yes, but you're charged interest from the day the withdrawal hits your statement.

    Do you mean that the interest is charged from when your statement is generated - NOT the day you withdraw the cash?

    I'm going to the States in a few weeks and I was planning on using internet banking to pay the amount that I withdraw each day over to my Clarity credit card each day. I asked the guy in Halifax when I applied for the card, and he didn't have a clue.
  • bsms1147
    bsms1147 Posts: 2,264 Forumite
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    motownpunk wrote: »
    Do you mean that the interest is charged from when your statement is generated - NOT the day you withdraw the cash?
    Interest is charged daily on cash withdrawals from the day it appears on your account (which may be the same day as a withdrawal, or it may be some days later) until the day you pay it off.
  • photome
    photome Posts: 16,531 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Bake Off Boss!
    motownpunk wrote: »
    Do you mean that the interest is charged from when your statement is generated - NOT the day you withdraw the cash?

    I'm going to the States in a few weeks and I was planning on using internet banking to pay the amount that I withdraw each day over to my Clarity credit card each day. I asked the guy in Halifax when I applied for the card, and he didn't have a clue.

    prob wont appear on your account for 3 to 4 days after withdrawal, if you are only away for a couple of weeks even if you waited till you got home the interest would only be a couple of pounds assumming you arent withdrawing the maximum every day
  • System
    System Posts: 178,227 Community Admin
    10,000 Posts Photogenic Name Dropper
    Most US ATMs surcharge, so expect to pay about $3 per go.
    motownpunk wrote: »
    Do you mean that the interest is charged from when your statement is generated - NOT the day you withdraw the cash?

    I'm going to the States in a few weeks and I was planning on using internet banking to pay the amount that I withdraw each day over to my Clarity credit card each day. I asked the guy in Halifax when I applied for the card, and he didn't have a clue.
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
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