Donate to Remove ads

Got a credit card? use our Credit Card & Finance Calculators

Thanks to eyeball08,Wondergirly,bofh,johnstevens77,Bhoddhisatva, for Donating to support the site

Halifax Clarity Credit Card Security

Credit Cards, borrowing on Loans and discussions on Stoozing
scrumpyjack
Lemon Quarter
Posts: 4839
Joined: November 4th, 2016, 10:15 am
Has thanked: 613 times
Been thanked: 2696 times

Re: Halifax Clarity Credit Card Security

#647727

Postby scrumpyjack » February 18th, 2024, 12:33 pm

I have a Halifax Clarity card, which I got mainly for using abroad, but have recently changed to using a Chase card. I'm very happy with it. They give immediate mobile phone notification every time I use it. It gives at least as good an exchange rate as Halifax. For the first year you get 1% cashback on spending, max cashback £15 a month. It is a debit rather than credit card but pays interest and has a savings 'pot' paying 4% so you can pre load that and transfer as required to the current a/c.

jaizan
Lemon Slice
Posts: 391
Joined: September 1st, 2018, 10:21 pm
Has thanked: 222 times
Been thanked: 114 times

Re: Halifax Clarity Credit Card Security

#647761

Postby jaizan » February 18th, 2024, 3:57 pm

scrumpyjack wrote:I have a Halifax Clarity card, which I got mainly for using abroad, but have recently changed to using a Chase card. I'm very happy with it. They give immediate mobile phone notification every time I use it. It gives at least as good an exchange rate as Halifax. For the first year you get 1% cashback on spending, max cashback £15 a month. It is a debit rather than credit card but pays interest and has a savings 'pot' paying 4% so you can pre load that and transfer as required to the current a/c.

If only Halifax adopted some 21st century methods, like Chase! I had to open a new Skype account and put $5 on it just to call Halifax to resolve the problem.

My Starling current account seems to handle notifications and 2FA via the app very well. However, they charge about 0.4% on my forex, whereas Halifax don't.

After this trip, I shall have to look for alternative credit cards with 0% forex charge.

JohnB
Lemon Quarter
Posts: 2503
Joined: January 15th, 2017, 9:20 am
Has thanked: 687 times
Been thanked: 1003 times

Re: Halifax Clarity Credit Card Security

#647762

Postby JohnB » February 18th, 2024, 4:09 pm

I don't put financial apps on my phone, so I want another way to deal with them. Phone calls and parts of passwords work for me.

jaizan
Lemon Slice
Posts: 391
Joined: September 1st, 2018, 10:21 pm
Has thanked: 222 times
Been thanked: 114 times

Re: Halifax Clarity Credit Card Security

#647972

Postby jaizan » February 20th, 2024, 4:17 am

JohnB wrote:I don't put financial apps on my phone, so I want another way to deal with them. Phone calls and parts of passwords work for me.

That's fine, but it does not work for everyone.

For example, 2FA by text message does not work in the following scenarios:
(i) When travelling abroad and using a different SIM
(ii) Anywhere with no phone signal.

Halifax should offer their customers some options that are fit for purpose.

jaizan
Lemon Slice
Posts: 391
Joined: September 1st, 2018, 10:21 pm
Has thanked: 222 times
Been thanked: 114 times

Re: Halifax Clarity Credit Card Security

#652247

Postby jaizan » March 8th, 2024, 10:29 am

Well, as Halifax are in the doghouse, today I made an online transaction with my Santander Zero card.

This was authorised via the Santander App.
For my needs, that's far more convenient as I am abroad with a foreign SIM card in the phone and it's far more secure as they have a fingerprint to log in.

Times change. A few years ago, I stopped using the Santander card after they sent a text asking me to phone them to confirm a transaction. The idea of racking up international call charges to do that was just ridiculous, so I just used a different card.
It seems they have corrected that error and adopted some 21st century methods.

BullDog
Lemon Quarter
Posts: 2468
Joined: November 18th, 2021, 11:57 am
Has thanked: 1990 times
Been thanked: 1206 times

Re: Halifax Clarity Credit Card Security

#652248

Postby BullDog » March 8th, 2024, 10:35 am

I like that I get instant notification on my phone for each and every transaction on my Clarity card. So if anything untoward happens, I'll know immediately and can block the card in the app.

a4alan
Posts: 13
Joined: November 4th, 2016, 7:39 pm
Has thanked: 6 times
Been thanked: 2 times

Re: Halifax Clarity Credit Card Security

#653583

Postby a4alan » March 14th, 2024, 5:50 pm

jaizan wrote:
scrumpyjack wrote:I have a Halifax Clarity card, which I got mainly for using abroad, but have recently changed to using a Chase card. I'm very happy with it. They give immediate mobile phone notification every time I use it. It gives at least as good an exchange rate as Halifax. For the first year you get 1% cashback on spending, max cashback £15 a month. It is a debit rather than credit card but pays interest and has a savings 'pot' paying 4% so you can pre load that and transfer as required to the current a/c.

If only Halifax adopted some 21st century methods, like Chase! I had to open a new Skype account and put $5 on it just to call Halifax to resolve the problem.

My Starling current account seems to handle notifications and 2FA via the app very well. However, they charge about 0.4% on my forex, whereas Halifax don't.

After this trip, I shall have to look for alternative credit cards with 0% forex charge.


As far as I know, there is no forex loading with Starling - they use the Mastercard rate the same as Halifax Clarity

Our experience over a few overseas trips has been that both Starling and Santander Zero work very well with app notifications and approvals whereas Halifax Clarity is prone to the occasional decline


Return to “Credit Cards and Loans”

Who is online

Users browsing this forum: No registered users and 18 guests