Applying for a Halifax Clarity Credit Card - with/without current account?

darkidoe

Applied for a Halifax Clarity Card a couple of days after getting a Halifax Reward Current account. I wasn't accepted online and had to appeal. I got a £500 credit limit with 21.9% APR. Just seen my credit account opened online! Hope Halifax do credit limit increases automatically! Would definitely prefer a higher limit for travel but I can't complain at the moment!

tomxlisa

I think i should do one of these appeal things, lots of people seem to be having success with it, i seem to be getting declined for everything at the moment, haha.

oatman

darkidoe wrote: »

Hi all

I am aiming to get a Halifax Clarity Credit Card but do not have a Halifax current account as of yet. I was wondering what are people's experience of applying for the Halifax Clarity without or with the Halifax current account? Would having a current account improve your chances of getting it through the online banking system?

I have no Halifax account. Applied for a Clarity for travel purposes. Asked for £1500, being reserved, and got £3500. I'm happy with that.

darkidoe

oatman wrote: »

I have no Halifax account. Applied for a Clarity for travel purposes. Asked for £1500, being reserved, and got £3500. I'm happy with that.

Nice! You must have a very straightforward record. I think the online application doesn't have a great application success rate due to the complexities of the credit records and stringent online application criteria. Its good to hear that it works for some people tho!

andyfromotley

No account. I watched my eligibility rise from 20% to 90% as i paid down my debts. applied, approved, asked for 1.5k was given 3k which has just been increased after 6 months to 4k.

So for me at least the eligibility checker seemed to be accurate.

I must add that i am quite pleased that Halifax, pretty much alone from what i read on these boards seems to give a real nod to responsible lending practices.

badger09

I applied for the Clarity credit card online on 17 September, just over a year after opening the reward current account. Funded that with £1k for the last 3 months, instead of the minimum £750. Immediate acceptance with credit limit of £4k, rather than the £3k I'd requested:)

I'll only use the card for foreign travel and for the £5 a month reward, obviously

I'm running 20+ sole current accounts and 2 joint, so I wouldn't say I have 'a very straightforward record'