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Barclaycard: Initial Credit Card reviews

Name: Initial Credit Card
Rating: 4.15 (117 reviews)

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4.11

Based on 117 reviews, last reviewed 2nd Apr 2025

100% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

61%

17%

10%

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

Archaic service It took them months just to successfully file a claim for a fraudulent charge in my account. I had to speak with three people—two of whom didn't know ... Read more Reviewed on: 7th March 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 (117)

Review of the Barclaycard, Initial Credit Card:

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

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. Excellent cutomeer service delivered when I had an issue with a payment over a year ago. Reviewed on: 2nd April 2025

Archaic service

It took them months just to successfully file a claim for a fraudulent charge in my account. I had to speak with three people—two of whom didn't know what they were doing. Appalling service. Reviewed on: 7th March 2025

Payment Notification never works

Dumb mobile app. Never give me spending notification liked the other services provider. Feel liked very insecure, I am moving all schedule payment to other cards and will freeze this card. Reviewed on: 28th November 2024

Good customer service and updates provided by email

Good customer service and updates provided by email Reviewed on: 28th May 2024

Very easy and simple to use and easy to receive money.

Very easy and simple to use and easy to receive money. Reviewed on: 10th April 2024

Good card for building credit

I have had this card for about 5 years now and it has been a pleasure to use. Highly recommended for people new to credit cards. It can be linked to Barclaycard Cashback Rewards for % back on various purchases. Reviewed on: 13th June 2023

a good start

there isn't many cards our there to assist with people who just started working on their credit reports. Reviewed on: 31st May 2023

Always good

Easy to use every people good service and respect all customer hearing Reviewed on: 11th April 2023

easy app to use

this is a good app easy to use and very convenient Reviewed on: 11th April 2023

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

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