Halifax Clarity Credit Card Reviews

Ratings based on 186 reviews Last review 3 months 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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4 34
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Your Clarity Credit Card Reviews (186)

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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 avatarAndrewD
Editors
Choice
(10)
Editors Choice
Editors
Choice
10th July 2020

Good overseas spending card

I got a Halifax Clarity Card to use on holiday abroad, so I wouldn’t be charged foreign exchange fees. I was really pleased to find that the exchange rate is actually better than I could get for changing my cash in advance, so avoids having to change ...

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I got a Halifax Clarity Card to use on holiday abroad, so I wouldn’t be charged foreign exchange fees. I was really pleased to find that the exchange rate is actually better than I could get for changing my cash in advance, so avoids having to change too much cash and then lose out if I have any left.

Julie Alderson's avatarJulie Alderson
(0)
17th June 2020

CREDIT CARD CUSTOMER SERVICE APPALLING

THE CREDIT CARD IN ITSELF IS GOOD FOR USE ABROAD. BUT if you get a problem customer service is ignorant. I had over £1000 in credit in my account which i had written to them in writing several times to return my money, four months later no response, ...

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THE CREDIT CARD IN ITSELF IS GOOD FOR USE ABROAD. BUT if you get a problem customer service is ignorant. I had over £1000 in credit in my account which i had written to them in writing several times to return my money, four months later no response, so I wrote a formal complaint suddenly my money was back in my account but still no letter of apology nothing. Also had my card blocked so many times, I write due to disability you get no response, you ask for reasonable adjustment and nothing is done so very discriminatory as a whole as no facilities for people who can't use phones due to disability, the bank staff have no answer either or do anything about it. My Father now is trying to get his money back under section 75 being sold faulty goods, two and a half months later still not even acknowledgment of the letter so now going to formal complaint and ombudsman if he has too.

justwannahelp's avatarjustwannahelp
(0)
2nd June 2020

Great credit card and great customer service!

I have always had great customer service from Halifax, I really like the Clarity credit card for travel and any other service I've ever had from them has been great.

Lollo88's avatarLollo88
(0)
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 Chandler
(0)
16th May 2020

Good for spending abroad, bad for paying off early

This is a great credit card for spending while abroad at a really good rate. I was a big fan but then they changed the system for paying off the debt early (it would no longer reduce the direct debit charge, and I kept ending up in credit) and if you...

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This is a great credit card for spending while abroad at a really good rate. I was a big fan but then they changed the system for paying off the debt early (it would no longer reduce the direct debit charge, and I kept ending up in credit) and if you wanted to stop paying twice you had to cancel and restart the direct debit each time which is just a massive hassle. This wouldn't be such a problem if it weren't for the fact that ATM withdrawals start charging interest straight away, insentivising you to pay that debt back as soon as possible.

cm95's avatarcm95
(0)
10th May 2020

A great little credit card (especially abroad)

I love my Halifax Clarity credit card in the UK but it really comes into its own when I'm abroad. I can pay for things and withdraw money without worrying about hidden charges. I'm charged the same as I would be in Blighty! Happy days!

Tigerpants's avatarTigerpants
(0)
27th April 2020

Great credit card for travelling

The Clarity Credit card has been incredibly useful while going overseas. It converts one currency into GBP so I'm not charged any fees, which has made my life a lot easier while travelling.

nathan's avatarnathan
(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 avatarcm95
(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 avatarLiv
(0)

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