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

[MrMarkyMark]

MM - are you married then?

If so, dont tell me you're one of those with separate bank accounts?

Not in a legal sense, but as close as I have ever been to it 5 years+.

She actually owns the flat I'm sat in now.
She contracts sometimes, so has her own income as well.

We don't have a joint bank account, she was quite happy to leave things as they are, even though I offered one

But....a totally independent woman for many years, so as SE says "Different strokes for different folks" I guess

[chopper]

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!

[TheFaQQer]

But....a totally independent woman for many years, so as SE says "Different strokes for different folks" I guess

Not having a joint account doesn't seem to have hurt my in-laws who have been married for nearly 40 years. Not having separate bank accounts doesn't seem to have hurt my parents who have been married nearly 40 years.

Having someone who understands the value of things is priceless though.

[MrMarkyMark]

Not having a joint account doesn't seem to have hurt my in-laws who have been married for nearly 40 years. Not having separate bank accounts doesn't seem to have hurt my parents who have been married nearly 40 years.

Having someone who understands the value of things is priceless though.

Indeed.

I consider myself very lucky in that regard

[northernladyuk]

Not having a joint account doesn't seem to have hurt my in-laws who have been married for nearly 40 years. Not having separate bank accounts doesn't seem to have hurt my parents who have been married nearly 40 years.

Having someone who understands the value of things is priceless though.

Just ask Brillo.

[quackhandle]

I got one of these two year back when I took the family to DW, Orlando.

My limit was 3K IIRC.

qh

[northernladyuk]

I got one of these two year back when I took the family to DW, Orlando.

My limit was 3K IIRC.

qh

Guessing you have a decent income.

[MrMarkyMark]

FTFY

Guessing you have a decent income, an unworn sofa and don't regularly watch Jeremy Kyle.

[TheFaQQer]

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?

[northernladyuk]

FTFY

FTFY

Guessing you have a decent income, an unworn sofa and don't regularly appear on Jeremy Kyle.