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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

Superb app

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

Amazing

Very good banking thank you very much Reviewed on: 8th February 2023

Great Credit Card

Easily accepted and provides cashback on selected purchases. Easy to use and understand application. Great for credit building. Reviewed on: 31st January 2023

Very good

Very good to deal with and the app is easy to use Reviewed on: 14th January 2023

Not good

Using for months and i have noticed the account holder name is showing someone else’s name and i have contacted the customer care team several time and been to the bank as well… nothing happened and said it is not a technical issue… so I have paid all the balances and stopped using it Reviewed on: 13th January 2023

Bad service

Not helpful and incompetent service. Reviewed on: 8th August 2022

Barclaycard not bad

Barclaycard is not bad Good for building credit limit Reviewed on: 8th July 2022

Not as expected

I am a bit disappointed with Barclayscard as I always pay my bills on time got a average salary but still the credit limit never increases. Reviewed on: 27th June 2022

Easy to manage

Easy to manage and access the account Reviewed on: 23rd January 2022

Not good service, unavailable support

I paid interest many times unnecessarily, because the day when the free interest turns changes every month. It's also impossible to do a chargeback because I need to mail the evidence by post. I mean they can't receive it by email and there's no one I can talk to. Rubbish service Reviewed on: 4th January 2022

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