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Barclaycard: Initial Credit Card reviews

Name: Initial Credit Card
Rating: 4.17 (115 reviews)

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4.21

Based on 115 reviews, last reviewed 28th Nov 2024

No new 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

61%

17%

10%

Latest highest rating:

5

Good customer service and updates provided by email Good customer service and updates provided by email Reviewed on: 28th May 2024

Latest lowest rating:

1

Not reliable card service! Like a joke! I applied for a Barclaycard online and got a message saying they needed more information. I called them several times but no one answered. It's been o... Read more Reviewed on: 16th March 2023

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About this product

Barclaycard Initial Credit Card reviews can help you to find out about the pros and cons of the Initial Credit Card credit card. What kind of features do Barclaycard customers like? Find out more about the Barclaycard Initial Credit Card by reading our trusted Smart Money People reviews. You can also write your own Barclaycard Initial Credit Card reviews to share your own experience with Smart Money People, the UK's leading financial services review site. Together, we can make financial services work better for everyone.

Barclaycard Initial Credit Card reviews (115)

Review of the Barclaycard, Initial Credit Card:

good reliable card

have had no problems using this card. On one occasion when a refund I was expecting did not go through the staff were helful sorting out Reviewed on: 29th August 2015

Perfect

It's easy and simple and very reasonable! Highly recommended Reviewed on: 3rd April 2017

Very Interest-ing

I have been with Barclaycard for nearly 10 years now and I really enjoy being a customer. The company is very proactive in helping their customers to save money, even when they have long term credit balances and only pay the minimum each month as I do. I phoned them to tell them I had become self-employed and was earning less money and they advised me they could save me money by reducing my interest rate by nearly 10% on my outstandign balance, thus reducing my monthly outgoings by nearly £50 a month. This was, and still is, a massive saving to me, and has really been a boon now my income has gone down so much. I cannot recommend them highly enough, because not only do they provide fabulous customer service, but it is all done politely, courteously and kindly. Reviewed on: 29th March 2017

Straightforward, affordable credit

Barclaycard were the only bank to accept me at a time when I most needed credit. As a result, I've been able to rebuild my credit file, leading to better rates and acceptance from other lenders. Reviewed on: 12th February 2017

Credit card

Had to ring Barclaycard to check up on outgoing and had a fast response and great customer service, good security checks! Reviewed on: 19th December 2016

Unable to cancel incorrect transaction

I bought for my wife a phone but on returning home found the phone sold was not as we requested and the deal is useless. Called the Three who have stated that there is no cooling off period so called Barclaycard. There answer is any transaction authorised by the customer, irrespective as to whether it is correct or otherwise can't be cancelled by them. Whilst it isn't my complaint I'm not surprised that fraudsters are running wild. Imagine if someone has duped me for one reason or another. Reviewed on: 26th October 2016

Draconian rules and pathetic customer service!

Barclaycard has draconian rules and pathetic customer service! I recommend looking for another card. You would think that any credit card company would be happy to receive your payments, deposit them immediately, and give you immediate credit. Not Barclaycard. They require that all payments be “in the form of a single, non-folded check or money order.” What happens if you need to put 2-3 checks/money orders in one envelope? Barclaycard says, “Any payment with multiple checks or money orders, additional correspondence, staples, paperclips, etc. will be considered a 'non-conforming payment' which may delay the crediting of the payment for up to 5 days.” The rule about multiple checks/money orders delaying your payment could be considered reasonable except for three factors: (1) They deposit the multiple checks/money orders immediately, so they get the funds immediately, but they don’t credit your account immediately. (2) They may delay crediting your account 10 days or more, and not 5 days. (3) In the meantime, if you have to pay to get copies of checks/money orders that they have cashed but not credited to your account, Barclaycard does not reimburse you for the expense! Reviewed on: 11th October 2016

Outstanding customer service

Customer service is simply out of this world. You truly get the feeling you are cared about as a customer. Telephone manner is second to none, every time! If only every company was like this Reviewed on: 11th October 2016

A Card Worth Applying For

Having been a customer of Barclaycard now for eighteen months, I have nothing but praise for the way my business has been conducted. Anytime I have had to contact them, be it on the telephone or via there secure message option on their website, I have always received prompt replies to my questions. Their website gives you a vast array of different options to choose from and any problems you may encounter or be experiencing, there is usually always something there to help you. As my title heading says, I think Barclaycard is a credit card well worth applying for, and can be an added extra friend in your purse or wallet. Reviewed on: 30th August 2016

It's been a life saver! Easy to manage payments too

The interest rates are pretty good in today's market, the app is handy and you're offered an increase every six months, good way to build up good credit :). Reviewed on: 14th June 2016

Good customer service

Good customer service when calling to pay a bill Reviewed on: 31st May 2016

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