Halifax Clarity card moving from MasterCard to Visa

flaneurs_lobster

https://forums.moneysavingexpert.com/discussion/comment/81920564#Comment_81920564

June 2018, 10 hour outage starting 02:00pm, Europe-wide.

afod

Just received my replacement Clarity card. The word Clarity no longer appears on the front of the card. On checking my online letter with T & Cs, it states foreign trans action fee as 2.95%. Checking the T & Cs on my old Clarity card it states foreign transaction fee as N/A.

Just rung Halifax and they are adamant that there are no foreign transaction fees on new Visa card.

Confusing to say the least.

etienneg

My new Visa Clarity card looks just like the picture on the web site:

Doesn't yours? If not, what does it look like? Perhaps they have sent you the wrong card.

Nebulous2

https://forums.moneysavingexpert.com/discussion/comment/81931968#Comment_81931968

I received mine a few weeks ago, and it looks exactly like that as well. My DD has just been taken, and my bank says 1st payment, so they must have setup a new DD as well.

SevenOfNine

Our new cards had exactly the same expiry date as the old ones, 2027. Seemed a bit pointless to do that, why not send new cards, new expiry date!

SevenOfNine

https://forums.moneysavingexpert.com/discussion/comment/81920564#Comment_81920564

Yes it did, & we were abroad at the time, thankfully had 2nd option of a Mastercard.

CliveOfIndia

I seem to recall (although I may be wrong) that many years ago a lot of my cards were moved from Visa to Mastercard. I just assumed that it was due to fees/licence agreements/whatever that the network charged the banks (actually, if anyone knows, I'd be genuinely interested in how this all works).

Anyhow - to the average Joe Bloggs consumer, it probably makes little difference. For FX fees, Clarity is still a reasonable bet, and the exchange rate difference between Visa and Mastercard is negligible for all practical purposes. But yes, the impact to ordinary consumers is that it always wise to have a Visa plus a Mastercard in your wallet when travelling abroad, just in case one network should suffer a technical glitch.

Again, many years ago, I do remember being on holiday in France, where it was either Mastercard was widely accepted and Visa was only accepted by a few places, or vice-versa. But I think these days, pretty much everywhere accepts both.

sausage_time

I do remember being on holiday in France, where it was either Mastercard was widely accepted and Visa was only accepted by a few places, or vice-versa. But I think these days, pretty much everywhere accepts both.

It was Visa. Franch banks invested early in Carte Bleue (a debit card) - which became aligned to Visa.

Makeandsave

I only got the email today about the change, Its not mentioned anything about the exchange rates and fees. I just hope it stays the same (best exchange rate no fees etc). It would have been good if they mentioned that.

I use the card a lot because i can link it to my savings account and pay asap and make the most of no fees and best exchange rate and the cash back has been great.

HouseMartin567

Has anyone still not received their replacement card switching to visa?

I received a generic email at the start of May saying ‘if eligible your card will arrive in the next few weeks’. The card has not yet arrived. From this thread I can see some people received their new cards as early as March so I guess they are being done in batches.

I asked on the online chat but even when connected to a person they were most unhelpful. Firstly asking me what the last 4 digits are of the card I haven’t received (how would I know?!), and then secondly saying they sent me information early May (yes, I’m aware but that said I’d get the card in a few weeks and I haven’t).

I wonder if the new card will be automatically added to my online banking when issued and that’s how I’ll know that it’s on the way.