Reply to: Halifax Clarity card - £500 limit - whats the point?

[northernladyuk]

Learn to read mun. 80K LIMIT not DEBT.

I believe WTF has cleared this up for us.

[TheFaQQer]

Never heard of 500 limit, I got a Clarity card and recently got a letter saying the limit was raised to 10K. Only pikeys get a credit card limit of 500 quids.

My Barclaycard has a limit of £500 I think (might even be £250), but given that I didn't even know I had one until they sent me a new card, and it's been 15+ years since I used it, I can understand that.

I think it was a Goldfish card, then a SKY card, then something else. Something that ages ago had good points / cashback, but no idea what it was.

[WTFH]

Learn to read mun. 80K LIMIT not DEBT.

OK, 80k limit, 100k debt. :lol:

Is that why you need a new card, to transfer some of the over-limit debt?

[psychocandy]

He has to clear 80k debt first.

Learn to read mun. 80K LIMIT not DEBT.

[fullyautomatix]

Never heard of 500 limit, I got a Clarity card and recently got a letter saying the limit was raised to 10K. Only pikeys get a credit card limit of 500 quids.

[northernladyuk]

His fault for not talking to his Mrs about there being no magic money tree.

He didn't know how to tell her he was on the rock and roll and she kept on spending on the bingo.

[SueEllen]

He has to clear 80k debt first.

His fault for not talking to his Mrs about there being no magic money tree.

[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.

[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]

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

Yes he would.

[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...

[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.

[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.

[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?

[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.