What is the criteria for the Halifax Clarity card?

darkidoe

Aqua Advance is good enough for overseas use with no Foreign currency transaction fees and credit limit increases pretty frequently.

If you are desperate for the Halifax Clarity, stop applying after a rejection and write an appeal letter to their CC underwriters department, with an attached statutory credit report and explain how ideal a customer you are (pay your bills, credit on time, never been over credit limit), on the electerol roll. Ask them to reconsider the rejection or offer an explanation of why.

Until you get that reply, do no reattempt another application.

Jlawson118

darkidoe wrote: »

Aqua Advance is good enough for overseas use with no Foreign currency transaction fees and credit limit increases pretty frequently.

If you are desperate for the Halifax Clarity, stop applying after a rejection and write an appeal letter to their CC underwriters department, with an attached statutory credit report and explain how ideal a customer you are (pay your bills, credit on time, never been over credit limit), on the electerol roll. Ask them to reconsider the rejection or offer an explanation of why.

Until you get that reply, do no reattempt another application.

I only applied once in March time I think it was, and then once again in June and another in July and then no more after that. I didn't bombard them with requests, and I don't plan to send another one now until I have at least over a year or two's worth of a credit record. When travelling abroad next time, I'm going to have a look at other options out there. I ended up having trouble with my Lloyds cards abroad so the Aqua Advance did come in handy for a few weeks, though I'm not keen on Aqua in general and I recently just closed that account down, but closing my account actually hit my credit score really badly, so with the other credit cards I have now, I'm hoping it'll start to build back up

[Deleted User]

Jlawson118 wrote: »

closing my account actually hit my credit score really badly, so with the other credit cards I have now, I'm hoping it'll start to build back up

I thought you'd have learnt about credit scores by now from being on here?

Disappointed to see you still believe in them.

Jlawson118

Deleted_User wrote: »

I thought you'd have learnt about credit scores by now from being on here?

Disappointed to see you still believe in them.

Oh no, I've been taught well now to ignore the numbers and everything don't get me wrong

darkidoe

Jlawson118 wrote: »

I only applied once in March time I think it was, and then once again in June and another in July and then no more after that. I didn't bombard them with requests,

I would consider that bombarding them with applications. But yeah I tend to advice avoid to follow up a failed application with another application within 6 months if there's nothing much else that has changed in your circumstances. In the meantime. small build up of history is useful.

SnowTiger

Jlawson118 wrote: »

I only applied once in March time I think it was, and then once again in June and another in July and then no more after that. I didn't bombard them with requests...

That is quite a lot.

You should have kept your Halifax bank account open and used it a bit to increase your internal score with them.

I opened a Halifax Reward account a few years ago for the free fiver a month and was offered a credit card about six months later. I didn't fancy the card they suggested, so applied for their Clarity card instead.

Jlawson118

SnowTiger wrote: »

That is quite a lot.

You should have kept your Halifax bank account open and used it a bit to increase your internal score with them.

I opened a Halifax Reward account a few years ago for the free fiver a month and was offered a credit card about six months later. I didn't fancy the card they suggested, so applied for their Clarity card instead.

Yeah I've been thinking for a few days that I should have kept it open, because I moved over to Barclays and I'm really not happy with them actually. I'm not happy with a lot of banks but I was talking to a colleague at work the other day and I said that First Direct's good customer service has got me expecting it from everyone.. :rotfl:

Missus_Hyde

A4445 wrote: »

You could try the Creation Every Day Card it's got 0% on foreign transaction fees and it has an eligability checker.

When travelling abroad next time, I'm going to have a look at other options out there.

I've recently acquired the Creation Everyday card as a back up to the Halifax Clarity and so far I've been very impressed with it and also with their customer service.

I found the lady with whom I spoke to be helpful and also very efficient, which makes a refreshing change.

As A4445 has said, there is an eligibility checker, which you could try to see if you would be eligible without having another footprint on your credit rating.