Should I get rid of AMEX if I take out Halifax Clarity?


Hi there,

I travel a fair bit and am sick of the fees I incur with my debit card.

I’m therefore thinking of taking out a specialist travel credit card and would like to take out the Halifax Clarity (I’m likely to be eligible).

I currently have a normal credit card (the BA Avios AMEX) which I’ve used to build up points although I have paid it off and I’m looking to get rid of it anyway.

My question is – if I apply for the Clarity, can I hold this at the same time as my normal credit card or will it affect my credit rating? Should I close down my AMEX if I take out the Clarity?

Is Clarity worth using when not travelling i.e. in the UK?

Thanks



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