Halifax Clarity: how do I know?

sebtomato

Hi,

I applied online for a Halifax Clarity credit card.

I received a Halifax mastercard blue card, without mention of Clarity anywhere (just Halifax and a big X). The paperwork sent also does not seem to mention Clarity.

When I log online, it just says "Halifax Mastercard" as the account.

How do I know that they gave me a Clarity card?? I am planning to use it abroad so wanted a Clarity as opposed to a regular card.

Thanks,
S.

[Deleted User]

What do your t&cs say about non sterling transactions?

sebtomato

Not mentioned.

It's shocking that despite sending me about 4 letters, not a single one seems to contain the word "clarity" on them!

And actually, apart from the interest rate on the T&C, I have no other documents explaining the other benefits of the card.

I don't understand either the "up to 56 days" interest free purchases, if balance is paid in full the current month and the month before.

Surely, then the maximum interest free period is around 30 days?

[Deleted User]

It's up to to 56 if you make a purchase immediately after a statement is produced. You then have 30 days until the next statement, then around 26 days to make payment.

The NSF fees will be in the the terms somewhere.

grumbler

Every statement says "Halifax Clarity" at the top.
Also it says "Foreign usage - Payment scheme exchange rate" in the Summary Box at the back.

sebtomato

I have opted out for online statements. I don't have full statement yet, but the word "Clarity" does not appear anywhere on my online account.

grumbler

Well, online I see: "Halifax Clarity Mastercard" too.
I also can view and download statements that say the same.

fifeken

My account shows up as Halifax Clarity Mastercard on line, but nothing on the card to indicate it's a Clarity Card.

Can you go online and go into "Manage my credit card" then "Rename this account" then "Use original account name"? In my case this also shows the Clarity infomation (I've never changed it)..

eDicky

halifax.co.uk/creditcards/

The only blue one is the Clarity. . .

Vortigern

eDicky wrote: »

halifax.co.uk/creditcards/

The only blue one is the Clarity. . .

You'd have thought they would put some branding on it - for clarity

YorkshireBoy

Deleted_User wrote:

What do your t&cs say about non sterling transactions?

sebtomato wrote: »

Not mentioned.

Taking that comment literally, you must have the Clarity card then. However, to confirm, your card came stuck to a credit agreement. Take a look at condition 7.9 (1st bullet). Anything there?