written by AgileServices on 14/08/2014
The Halifax Clarity appears as a very useful card to hold. But that is ONLY if you are not already a Halifax customer!
I have had a Halifax Gold card for many years, spend about £2000 per month on their card and pay it off in full each month and don't exceed my credit limit. I also have a current account with the Halifax with over £10k balance as well as an ISA . I expected that I would be classed as a valued and trusted customer! Unfortunately that is not so!
If you already hold a Halifax card and want to change to the Clarity card then stand by for a lot of problems!
To change you don't just ask as they have changed their procedures several months ago. You have to cancel your existing card first and then apply for the Clarity.
You then wait 30-60 days to see if they will accept you for the Clarity card.
There is no guarantee that they will accept you. In fact a marker on my account implies that I will not be accepted for the Clarity so I would end up with no card at all.
This is totally out of step with all the other major banks who let you upgrade from one type of card to another.
This even includes Lloyds, which together with Halifax is part of the RBS group. Lloyds even allow you to hold two of their cards!