Write a review

Halifax: Clarity Credit Card reviews

Name: Clarity Credit Card
Rating: 4.29 (256 reviews)

View other Halifax products

4.14

Based on 256 reviews, last reviewed 5th Dec 2024

200% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

66%

17%

10%

Latest highest rating:

5

Credit card is excellent as you don’t get charged fe... Credit card is excellent as you don’t get charged fees for using it abroad. Easy to use app and never have any issues using the card, would recommend!... Read more Reviewed on: 5th December 2024

Latest lowest rating:

1

Card blocked whilst abroad. Card blocked whilst abroad. After 3 days not resolved. Debacle. Many times unsuccessful calls and no way to use ebanking app to help. Reviewed on: 20th September 2024

Read all reviews See your review

About this product

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!

Halifax Clarity Credit Card reviews (256)

Review of the Halifax, Clarity Credit Card:

Great card with benefits

YOU CAB DO GOOD WHILST YOU SPEND WITH THIS CARD - WHAT'S NOT TO LIKE ABOUT THAT. Reviewed on: 9th November 2018

Excellent FX rates for foreign travel

Got this mainly to spend in other currencies when traveling for work or for leisure. Get the best FX rates and am very pleased with the service. Reviewed on: 30th March 2023

Vulnerability

Had a Clarity Card (and other Halifax CCs before) for many years placing vast amounts through it each year. Visited New York to watch US Open in September 2022 and, despite a dozen transactions being approved in first few days, my card failed whilst in Flushing Meadows. No text, email or call was received to check what they termed "a security breach". Upshot no access to any funds during day (in a mainly cashless society), cold, wet, tired, hungry, battery depleted on mobile from constantly trying to contact Halifax and couldn't get an Uber on getting back to Manhattan on my Metro card as it was linked to Halifax CC. 40 minute walk back to apartment in freezing cold rain, couldn't even buy a coffee or groceries for dinner as planned. Got through to Halifax at 9pm (2am UK time) when my Daughter got home from work. Not given any explanation as to why card was blocked and no communication received from H about the situation. I had bought my US Open ticket via Halifax and was offered a refund. However nothing can erase the trauma of that day...alone at US Open with no means of accessing the only credit card I have had since I was 18...I'm now 65. I have never felt so vulnerable in my life, apart from when I was stuck up a mountain on a narrow ski ledge with room for only one ski in blizzard conditions some twenty years ago... This time I was on terra firma but it still raised a huge fear inside me as a single older woman with no access to food, drink or US Open goodies I wanted to purchase. On what turned out to be a very cold torrentially wet day. I was dressed inappropriately for the weather, having been at a balmy night match the evening before but had I had funds I could've and would have purchased some warmer clothes from the store. Referred matter to Ombudsman who found in favour of Halifax. So I will never get to know what the suspicious activity was and that is a worry in itself. I advised Halifax that as soon as I found an alternative to their card I would take my paid up monthly £2k+ elsewhere. Hello Chase! Reviewed on: 19th March 2023

Easy

No problems. App is user friendly. Reviewed on: 12th March 2023

Best Bank for Credit Card

A great credit card and a great Bank. No issues and packed with reward. Its been over 10years and no complaints Reviewed on: 11th March 2023

When a perfect customer is left stung

Banked with Halifax for 22 years. Never had any issues. Due to taking a payment holiday on my personal loan my credit limit was reduced from to basically zero. After enquiring why ad I had never been over the limit or paid late. Always cleared my balance. I was told that it was due to my payment holiday on the loan. As a customer no due diligence or risk analysis was carried out as neither the loan or credit card are affected. But now due to a decrease in my limit my overall use of credit is hitting 90% from 25%. Its ridiculous I don't know how banks justify that. Its not helpful banking its a joke Reviewed on: 9th March 2023

Worst credit card service ever

I paid for flights through a company which at the time was operating, alerted Halifax of being a possible fraud, they didn’t help at the time, company went with my voucher money before going into solvency, now Halifax doesn’t help either because I should have advised them within 120 days of the transaction. I didn’t know the company went into solvency on time. Halifax has the worst service then it charges the highest interest on credit cards. I have 6 credit cards and they charge the highest. Reviewed on: 1st March 2023

Brilliant for travel

The Clarity Credit Card is insanely useful for international travel. Makes me feel safe & secure spending money abroad and the customer service is second to none. Reviewed on: 28th February 2023

No fees on paying in foreign currency abroad

No fees on paying in foreign currency abroad. Reviewed on: 28th February 2023

Perfect card for travel

I only use my clarity card for travel, as there are no fees and it has a competitive exchange rate, its safer than carrying cash Reviewed on: 20th February 2023

Great credit card

I don’t use credit very often, just a small amount now and again to keep the card active. Easy to use Reviewed on: 16th February 2023

Do you have a different Halifax product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

There's still more to see!

Halifax has a range of products available. Check the ratings of each product to find the right one for you. View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub