Halifax Clarity Ts & Cs

ktcov

Hi, I've received an updated Terms and Conditions from Halifax re my Clarity Card.

I only use this card for when I go abroad, and these changes are confusing me. Would I now be charged a fee when I use my card to buy something abroad? It def looks like I'd be charged if I withdrew cash, but I'm a bit uncertain about purchases abroad.

I'm probably just being stupid, but if they are going to charge then there is no point in me keeping it.

Thanks in advance 

[Deleted User]

Which part makes you think you'll be charged for withdrawing cash abroad?

There's nothing in the terms I received that say that. Also nothing about fees for purchases.

ktcov

Section B5 states there is a "non-sterling transaction fee". This applies to purchases and cash transactions. It also states, "!This could be a purchase on your credit card while abroad or an international purchase online from the UK". But A5 says, "Non-sterling transaction fee (any non-sterling transaction, including cash withdrawals - N/A)"

I'm hoping that it's A5 that would apply then, meaning no charges still? And you'd think that, if they were changing this, they'd have put it in the first few pages.

I can't remember where I saw the bit about cash withdrawals! 

[Deleted User]

The core terms are standard across all the cards. It's the table in A5 which tells you what the fees are for your particular card.

A major change like that would also need to be called out in the letter. There are no forex fees on Clarity.

ktcov

Thank you 😊