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Barclaycard: Initial Credit Card reviews

Name: Initial Credit Card
Rating: 4.12 (118 reviews)

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3.96

Based on 118 reviews, last reviewed 11th May 2025

100% increase in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

61%

17%

11%

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

Simple request denied, call disconnected, no follow up I asked for written confirmation of when my next direct debit was due. Now, you'd think that this would be a reasonable request and a very simple one ... Read more Reviewed on: 11th May 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 (118)

Review of the Barclaycard, Initial Credit Card:

Easy to get in, annoying to get out

I had a barclaycard for a couple of years, initially got it for a balance transfer on an existing card with another bank. Unfortunately they didn't give me the full amount so while the amount on my barclaycard was minimal and interest free for 6 months, I was still paying a lot of interest on my other one so couldn't pay back as much as I wanted. The online banking was simple to use and very user friendly when it comes to paying off extra or setting up a direct debit. I couldn't fault that at all. Once the interest free period came around, they started increasing my limit every 6 months but I couldn't get the benefit of it as the 0% deal had expired and they refused to put it up during the initial 12 months. I eventually got a bank loan with another bank to consolidate my debts and trying to cancel this one was a massive pain. I couldn't do it online or in a branch, I had to do it over the phone. I was connected to a person completely devoid of any emotion. I said I wanted to cancel and then she started offering me all kinds of deals, I politely explained that the credit card had caused me nothing but financial difficulties and I wanted it completely cancelled. She kept throwing offers at me and ignoring the fact that I repeatedly said "there is absolutely nothing you can offer me to make me stay. Please cancel the card/account". After 5 minutes of her clearly reading from a script, she eventually cancelled. Whereas when I cancelled my halifax card, before she even offered me anything I just said "Please cancel it, it's caused me nothing but grief and I don't want another credit card again" and she laughed and said "no problem, i'll cancel that for you right away". Overall not a bad card but would have been nice for a bigger balance on the 0% deal and someone a bit nicer on the phone Reviewed on: 24th December 2015

Still standing strong

The oldest credit card out there and still going strong. The company is smart and innovative and intelligent. Reviewed on: 11th April 2023

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

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