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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

Great

Great customer service. Easy to repay the instalments or to repay in total. Reviewed on: 8th November 2017

Fantastic

Easy to sign up to. Find out if you were approved pretty quickly. App makes it easy to keep track of your payments made so far and your balance Reviewed on: 3rd July 2017

It helped to build my credit score

It is a good credit card, with contactless service and also with a perfect app for mobile phones, and the app also support contactless mobile payment. Reviewed on: 30th June 2017

Very helpfull

Quick and easy to apply. My card came in about 2 weeks after apply and I'm useing it since then each time I need to do shoppings. Reviewed on: 30th June 2017

Easily applied

Easy to apply and get response in seconds. Reviewed on: 23rd June 2017

Not recommended

I feel that Barclays (barclaycard) exploit the vulnerable - they constantly advertise the initial credit card to people that have no or poor credit history. The advert itself is awful "they're barking" and it's not a company I would trust. Their sole interest is profit... ok fair enough they're a bank afterall, but I genuinely feel they don't care about getting people into debt. To put it simply I would never take out a barclaycard purely because I don't trust them as a company Reviewed on: 22nd June 2017

Great support

Not only is it a good credit card with great benefits but the staff are amazing and supportive at all times Reviewed on: 19th June 2017

use it wisely

always used this wisely , bought my petrol with it and paid it off every month Reviewed on: 11th June 2017

Helpful When Finances are Tight

Had my credit card for some years, and unfortunately, personal circumstances changed for the worse which left me unable to pay my card each month. After explaining my situation, Barclays were very helpful in organising a repayment plan. Reviewed on: 11th June 2017

great all around card

great all around card , easy and quick to apply Reviewed on: 10th June 2017

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