Halifax Clarity card - £500 limit - whats the point?

[northernladyuk]

Ironically, today's post brought a letter from Halifax about my Clarity card and the credit limit.

They've decided to increase it to £14500 without my asking. Who should I complain to about this worrying trend?

Sounds like you should have got 15k, but the bastards deducted £500 for some workshy Valleys shyster.

[quackhandle]

FTFY

Almost! Can't stand JK, but the sofa has seen better days 12 years old now and been through two puppies/dogs and babies/kids and just me being a clumsy fecker. It's only the patches keeping it together.

Mrs qh has been making noises about a new one, so no doubt it'll be a trip to Lignet Roset soon, I leave DFS to all you peasants!

qh

[WTFH]

Ironically, today's post brought a letter from Halifax about my Clarity card and the credit limit.

They've decided to increase it to £14500 without my asking. Who should I complain to about this worrying trend?

Mine is only 12.5k, but it has been for about 5 years.

[meridian]

Yeh maybe thats it. But £500 is pointless. Mrs P can spend that in an hour in Florida!

If you got it for overseas spending, what's the problem? Just bung a few grand into it so you're in credit, you'll still get all the benefits of it?

[northernladuk]

If you got it for overseas spending, what's the problem? Just bung a few grand into it so you're in credit, you'll still get all the benefits of it?

That would be applying common sense and he'd have no trivial life problems to complain endlessly about then.

[Mordac]

I've had a Clarity card for yonks with a £5000 limit, for the £5 cashback. Used to spend as little over £300 on it per month (the rest on a Barclaycard giving 0.5% on Visa and 1% on Amex). Since they dropped the £5 reward, I maintain the card by making one tiny tiny tiny tiny transaction on it per month.

Since I've been renovating me house, the cashback on my Barclaycard over the past year has literally been enough to buy... Actually, £150 doesn't get you far now does it.

Ironic that the money I spend earns me more than the money I save!

You need to try the northern tart, £150 gets you a whole weekend, a bit of round-the-back action if you're that way inclined, and she'll even have a wash first.

[eek]

When I've got about 80K limits on other cards.

There's your problem - just close the other cards you don't use and try again...

[northernladyuk]

That would be applying common sense and he'd have no trivial life problems to complain endlessly about then.

Yes he would.

[SueEllen]

There's your problem - just close the other cards you don't use and try again...

Doesn't need to try again.

You close the other cards, spend on this one and they will increase your limit.

[northernladyuk]

Doesn't need to try again.

You close the other cards, spend on this one and they will increase your limit.

He has to clear 80k debt first.