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Barclaycard: Initial Credit Card reviews

Name: Initial Credit Card
Rating: 4.15 (117 reviews)

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4.11

Based on 117 reviews, last reviewed 2nd Apr 2025

100% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

61%

17%

10%

Latest highest rating:

5

Barclaycard tested and trusted! I have had my Barclaycard credit card for over 20 years and can say that they are a good company with good rates and offers for their customers. Excel... Read more Reviewed on: 2nd April 2025

Latest lowest rating:

1

Archaic service It took them months just to successfully file a claim for a fraudulent charge in my account. I had to speak with three people—two of whom didn't know ... Read more Reviewed on: 7th March 2025

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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 (117)

Review of the Barclaycard, Initial Credit Card:

Never had a problem

Several years ago, I was trying to sort my finances out from utter chaos & managed to get a Barclaycard which also offered me a transfer to a 0% rate for X months. I took the card & the transfer & set a standing order to pay as much as I could over the minimum payment, regularly every month. Since then, I haven't looked back. Barclaycard always have offers on for loyal customers, the fact that I can transfer to that card & make regular payments saved me money on interest over the whole period & helped me pay off my debts, manage my credit in a more controlled, responsible manner & also to build my credit score. Periodically, they increased my limit, which allowed me to shift more debts to them, using the same "as much as you can afford, but more than the minimum payment " mantra I had adopted. I have now brought around £25,000 worth of debt down to about £7,000 - which also includes the following purchases in the last 12 months - new oven, new boiler, a new bathroom, double glazing throughout the whole house & guttering & fascias all replaced. These essentials would have been impossible had I not been able to bring that debt down initially & the positive impact on my credit score meant that I was able to secure a mortgage & buy a house. Even when I made a purchase on my card, customer services arranged to move that amount to a "lifetime" rate, which benefitted me as a customer. Reviewed on: 16th May 2019

Gets the job done!

Basic credit card, good customer service, easy and quick to pay off! Reviewed on: 10th April 2023

Excellent service

Never have a problem staff always cheerful and friendly and helpful Reviewed on: 5th April 2023

Good credit card for emergency payments

This card is very good,great for emergency payments,the fees are ok (low) for me and they will raise the limit in a short time and can be double or triple depends on you and your payments I think so. It is worthy,helpful and understandable plus easy to use Thank you Barclay's Reviewed on: 3rd April 2023

Ok service, some issues with app

Ok service, some issues with app Reviewed on: 30th March 2023

bad app good product

although the app is mostly not functional, the card itself is ok Reviewed on: 30th March 2023

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 over a month and I still don't know if I'm approved or not. This is unacceptable and unprofessional. Barclaycard has the worst customer service ever! Barclaycard is a joke! They keep doing soft searches on my credit file even after I sent them a GDPR letter to stop. They are damaging my credit score and violating my privacy rights. Do not trust this company with your personal information! Reviewed on: 16th March 2023

Good first credit card

I spend most of my money on this card, it's really basic and is easy to use, the good thing is that it integrates with your Barclays app so you can see it in one place with your debit and savings, very nice. Reviewed on: 10th March 2023

Good

Nice and easy to use it Everywhere Reviewed on: 9th March 2023

fast easy use

Easy to use and helpful. Easy to contact Reviewed on: 22nd February 2023

Superb app

Superb app, easy to ugrade you card Reviewed on: 21st February 2023

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