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Halifax Clarity Credit Card Reviews

Ratings based on 172 reviews Last review 5 days ago

If you're wondering whether the Halifax Clarity Credit Card is right for you, read our reviews from customers who already have the popular card. Our community reviews can help you to find out about the pros and cons of the Clarity card, which will...

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If you're wondering whether the Halifax Clarity Credit Card is right for you, read our reviews from customers who already have the popular card. Our community reviews can help you to find out about the pros and cons of the Clarity card, which will help you make an informed decision about whether or not you should choose Halifax. Already have the Clarity credit card? Please write your own review and share your experiences with Smart Money People, the UK's leading financial services review site. Together, we can make financial services work better for everyone - but we need your help!

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Your Clarity Credit Card Reviews (172)

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10th August 2015

The most sensible travel money method

I got this card (my first and only credit card, I try to avoid them generally) specifically because it has the best rates for spending money abroad. Best of all, there is no charge for withdrawing cash from ATMs overseas- so I only use it when abroad,...

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I got this card (my first and only credit card, I try to avoid them generally) specifically because it has the best rates for spending money abroad. Best of all, there is no charge for withdrawing cash from ATMs overseas- so I only use it when abroad, and pay it off in full each month. Using this saves me loads of money which would have been spent on fees, commissions etc when using my debit card, or bureaux de change.

I've had very little reason to contact customer services, but on the one occasion i did, they were helpful and quick to sort things out. I'd recommend this for anyone who spends even a little time oversea, for business or pleasure.

AndrewD's avatarAndrewDLevel 2
Editors
Choice
(10)
Editors Choice
Editors
Choice
26th May 2020

Halifax covid 19 card "holiday"

My elderly Parents recieved an email asking if they wish to take a payment holiday because of the awful situation and they didn't know whether we between the family would get out and be able to pay their clarity card invoices as they would be on...

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My elderly Parents recieved an email asking if they wish to take a payment holiday because of the awful situation and they didn't know whether we between the family would get out and be able to pay their clarity card invoices as they would be on total lockdown.

The last 2 months we have managed to get out and pay them in full yet Halifax have still charged interest even though they should not because they agreed to take a payment holiday.

They payment holiday is being used by Halifax as an excuse to charge vulnerable people and of course charge interest which has not been accrued.

Making money in such a way while making out it is somehow helping you is totally despicable and as such we will be getting legal advice.

You should be ashamed

Martin Chandler's avatarMartin ChandlerLevel 1
(0)
25th January 2020

Falls from grace

This was a great credit card for spending money abroad - affordable and simple to use. However they have recently changed the rules so that paying the money back early - for example to reduce the interest charged on cash withdrawals - does not reduce...

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This was a great credit card for spending money abroad - affordable and simple to use. However they have recently changed the rules so that paying the money back early - for example to reduce the interest charged on cash withdrawals - does not reduce the direct debit charge for the next month. After several instances where my credit card was significantly in the positive I have been left with no choice but to cancel the direct debit and so am now avoiding using it where possible

cm95's avatarcm95Level 1
(0)
12th January 2020

Too unreliable

Several years ago we got this for use abroad and it has been more trouble than it’s worth. Even if we pre advise of a trip (which they say we don’t need to do) any payment is invariably blocked. Twice they’ve assumed fraud and cancelled the card (and w...

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Several years ago we got this for use abroad and it has been more trouble than it’s worth. Even if we pre advise of a trip (which they say we don’t need to do) any payment is invariably blocked. Twice they’ve assumed fraud and cancelled the card (and will only send a replacement to your home address within a week) so we couldn’t use it again for the rest of the trip. We end up using our UK card which costs far more than using a card that is less competitive than Clarity but does actually work when abroad. So now we just take lots of cash (at online rates) and whatever is left is then a bonus when we go away next time!

Liv's avatarLivLevel 1
(0)
17th December 2019

Blocked card day 1 of my holiday abroad

Day 1 of my holiday they blocked my card. I called them and their automatic system of entering my DOB was telling me my DOB was incorrect (it wasn't) I was then asked some ridiculous security questions such as what year did I open the account (i wasnt...

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Day 1 of my holiday they blocked my card. I called them and their automatic system of entering my DOB was telling me my DOB was incorrect (it wasn't) I was then asked some ridiculous security questions such as what year did I open the account (i wasnt 100% of the year as I've had for around 3 or 4 years, so i 'failed' the security questions despite knowing all the normal questions... and then they promptly blocked my card and said i could only get this unlocked my going into a branch in england. Well I couldn't possibly do that as I was in USA for the next 3 weeks and now with no credit card! I had set up the voice recognition and told them I knew all of the normal security questions and pleaded with them to go through the security process again but they couldn't care less and left me stranded abroad without my card. I closed the account down there and then. They knew it was me as they let me shut the account down funnily enough! Ridiculous!! Do NOT rely on this card abroad as I've had numerous nightmares with it since they stopped asking you to tell them when you're going abroad. I'm submitting a complaint. Unreliable and ridiculous.

Nat L's avatarNat LLevel 1
(1)
21st November 2019

Blocked my card 3 times abroad

The savings made on no fees for withdrawing cash is great. However when they block my card they send me a text asking to confirm it was me. Unfortunately this text costs me £6 a time to respond to as I am outside of europe. The fact they have blocked ...

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The savings made on no fees for withdrawing cash is great. However when they block my card they send me a text asking to confirm it was me. Unfortunately this text costs me £6 a time to respond to as I am outside of europe. The fact they have blocked it 3 times means it has cost me £18, much more than the ATM fees for other cards

Michael's avatarMichaelLevel 1
(0)
18th November 2019

You lost another customer!

You lost another customer, including our mortgage, cards and banking accounts! These guys change their term on their cards so often it's shocking. All banks are in serious trouble so they are changing their terms to rip you off as much as possible...

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You lost another customer, including our mortgage, cards and banking accounts! These guys change their term on their cards so often it's shocking. All banks are in serious trouble so they are changing their terms to rip you off as much as possible before they all fold and do a bail-in. Get out of debt soon, these thieves are doing all they can to take as much as possible. They doubled my interest on my card, stating if you dont pay full balance, the 56 interest free days is invalid and they slam you with a huge minimum payment and double interest. AVOID THESE GUYS!

Mr. c's avatarMr. cLevel 1
(0)

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