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Barclaycard: Initial Credit Card reviews

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

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3.99

Based on 118 reviews, last reviewed 11th May 2025

No new 5 star reviews

in the past 90 days

No new 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

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

Great card

Never had any problems or any hidden surprises. Reviewed on: 8th November 2018

No problem with it over years

Never bother to change since I did not had problems with it. The only thing I would like to see improvement is in the case of fraud activity alert. The only stressful experience I have, they use a prerecorded machine message to alert me which in its case sounds suspicious. I would rather prefer an actual people to call and alert me instead Reviewed on: 1st July 2018

Never had a moments worry

I would have no hesitation in recommending to friends or family. I have had no problems at all and great customer service Reviewed on: 9th April 2018

Think about it.........................................!!

for an 18 year old the trusty old Barclaycard is the stuff of dreams.......................to a wordly 45 year old I still think back to the day that i took out that first bit of credit. Its a great way to up your credit score but this company will keep increasing that limit and you will keep taking it. If there was one thing I could say to my 18 year old self?? 'dont get a credit card'. Reviewed on: 5th April 2018

Great customer service and east to use app

A great credit card and can be easily managed on the app Reviewed on: 5th April 2018

Great for bad credit!

I use this card to build my credit rating and find it very useful! Reviewed on: 12th December 2017

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