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Barclaycard: Initial Credit Card reviews

Name: Initial Credit Card
Rating: 4.18 (114 reviews)

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4.25

Based on 114 reviews, last reviewed 28th May 2024

100% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

60%

18%

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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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.

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Barclaycard Initial Credit Card reviews (114)

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

great 1st card

great 1st card to help build credit Reviewed on: 15th April 2019

The best card in Town.

This card is so easy to use and earn more while spending. Reviewed on: 31st January 2019

Good idea, needs some work

The initial card is a brilliant idea however Barclaycard don’t necessarily support new to credit customers in the ways that they may benefit. Reviewed on: 11th January 2019

The best initial credit card

Barclaycard is the best initial credit card to build credit history in the UK. Reviewed on: 31st December 2018

No hidden fees

It is excellent because it has no hidden fees, you only get charged if you don’t pay on time, transfer or withdraw, but you can do online shopping or in store shopping, use the card in different currencies and countries with no fees Reviewed on: 9th December 2018

Thank you for helping me this year

Barclays credit card also has the best online and mobile service which is easy and very convenient to users. Thank you for a great year and happy new year. Regards Boris Reviewed on: 8th December 2018

Love it

I love how low the limit starts off at as I have never wanted a credit card in case I can’t pay anything back which isn’t the case as it’s a lot lower than what I thought! Reviewed on: 7th December 2018

Great service

Always does what it says and never let's you down. Best bank ive ever banked with. Reviewed on: 7th December 2018

As an international student..

I am a Korean who is roaming around the different countries in the world. I have used many bank services, to experience cultures. but Barclay is one of the best banking companies among I have used before. The security and the in and out service is the best. Thank you! Reviewed on: 7th December 2018

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