Halifax Clarity: Why take 2 months to take interest payment on a foreign withdrawal?

NoodleDoodleMan

zagfles said:

eskbanker said:

BlueonBlue said:

The Clarity at one time was unbeatable you could also preload it .

Are you suggesting that the published Ts & Cs permitted that, or merely that some got away with breaching them?

The T&Cs never permitted preloading. 

That's eskbanker's point, is it not ?

No credit card AFAIK will allow preloading as a choice for the customer to achieve a positive funds balance.

BlueonBlue

The question is really why would you want to preload it or even use it now for travel as the clarity is not the great travel card it once was .
Other options are far better .

Preloading was very easy to do from 2010 till 2018  I dont know if you can do it now but doubt many people bother with the card with all the better options today.

So debating holding and using a Clarity card is pointless as its not what it used to be which was No1 .
Get a Travel Barclaycard or other overseas spending card .

Nasqueron

BlueonBlue said:

The question is really why would you want to preload it or even use it now for travel as the clarity is not the great travel card it once was .
Other options are far better .

Preloading was very easy to do from 2010 till 2018  I dont know if you can do it now but doubt many people bother with the card with all the better options today

Pre-loading is very easy to do even now, I can put £500 on my card in an instant, that isn't the issue. The issue is that it's explicitly against the card terms and conditions to deliberately put your card in credit and at best, they will simply return the money almost immediately and at worst, if you keep doing it, close the card.

NoodleDoodleMan

My M&S credit card immediately rejects any payment that would put it into a positive balance.

fifeken

NoodleDoodleMan said:

My M&S credit card immediately rejects any payment that would put it into a positive balance.

How does it handle refunds?

NoodleDoodleMan

fifeken said:

NoodleDoodleMan said:

My M&S credit card immediately rejects any payment that would put it into a positive balance.

How does it handle refunds?

Never had one, so obviously I can't comment on how that would play out.

We only have it for the Club Reward membership, £10 monthly - mainly because Her Ladyship likes the "free" coffees in the cafe.

Whenever we get their CR money off vouchers the Ts&Cs state that any cost difference required to pay for the clothing etc. must be with the M&S credit card - in practice the store are happy to accept any form of credit/debit card to settle.

If it were not for the CR deal I would probably ditch it - although, to be fair, the annual benefits are not bad.

I believe they dropped the travel insurance add on option a couple or so years ago - which also appeared a decent offer.

CliveOfIndia

fifeken said:

NoodleDoodleMan said:

My M&S credit card immediately rejects any payment that would put it into a positive balance.

How does it handle refunds?

All credit cards will allow a refund that puts the card into a positive balance - that's not against the rules.  It's when you deliberately make a payment to put it into credit that they'll either refuse or return the payment.

BlueonBlue

Except when putting  the Halifax Clarity into credit...Halifax never did anything in my case over 8 years of doing it annually.
Once it was in credit for about 5 months the other times it was a few hundred once or twice a year and only for a week or two.

MikeJXE

I spent 18 months in Gran Canaria and used the Clarity card for cash withdrawals all the time

The card was not used for anything else and I paid it off as soon as it hit the account

I never paid more than a few pence interest the whole time I was there 

Nasqueron

BlueonBlue said:

Except when putting  the Halifax Clarity into credit...Halifax never did anything in my case over 8 years of doing it annually.
Once it was in credit for about 5 months the other times it was a few hundred once or twice a year and only for a week or two.

That as may be that you got lucky, it's still explicitly against the terms and should not be recommended

You must not pay us more than you owe when you make payments to your account, or transfer funds from another credit or store card if this creates a credit balance on your account. If ever there is a credit balance on your account, we may apply it to any recent transactions not yet shown on your account, or to transactions made after the date your account goes into credit. We may also return any credit balance to the account from which the money has been sent or pay the funds into a deposit account you hold with us. We do not pay interest on any credit balances or take them into account for the purpose of any loyalty or reward schemes.