Foul play

The information held by credit reference agencies from Barclaycard is 3 months out of date. Today, I get a letter saying my credit limit is being reduced, effectively destroying my credit rating due to loan to limit ratio, based on my credit rating... Read more

The information held by credit reference agencies from Barclaycard is 3 months out of date. Today, I get a letter saying my credit limit is being reduced, effectively destroying my credit rating due to loan to limit ratio, based on my credit rating from the reference agencies.

Well my credit rating wouldn’t be so bad, if Barclaycard updated the amount owed to show my card isn’t actually maxed out and £2,500 has been paid off in the last 2 months.

An absolute abuse of their customers throwing them into months more of financial hardship trying to improve the credit rating they are destroying and using as an excuse to trap people into paying more interest. Disgusting

Reviewed on 10th June 2021

Steven McCaw

DISGUSTING is not even the word!

DISGUSTING is not even the... Read more

DISGUSTING is not even the word!

Avoid this DISGUSTING company at all costs. They have reduced our credit limit with NO notice (not even a day!), from £7k to £1k. We have been loyal customers for 20 years. We recently used our entire savings to pay the balance off this card as we were in the process of important medical treatments. We explained this to Barclaycard, but they do not care. They have no care for customers, no sympathy. If anyone speaks to a Rachel Wilson, avoid talking to her and ask to speak to another colleague, she is a TERRIBLE advisor. If we had known we would not have put this onto our credit card and would have paid for our medical treatment straight out of our savings. They have Jeopardised our health and ruined our lives. If there was a 0 they would happily get that score. Horrible Horrible Company! They have destroyed our lives.

Reviewed on 10th May 2021

Graham

always helpful

Had good experiences with Barclaycard customer service

Reviewed on 16th April 2021

sharon Lakin

Good strongley

Extremley good barclay bank platinum card

Reviewed on 11th March 2021

Golam Chowdhury

terrible ....

Terrible service. I have been scammed for just over £1000 while abroad. It took Barclaycard 10 months only to tell me they are unable to help, using covid as an excuse. Absolutely terrible .....

Reviewed on 3rd March 2021

Magdalena

Avoid at all costs

Greetings,... Read more

Greetings, all!

I was trying to add "zero stars", but unfortunately that is not possible.

This is without doubt the worst credit card company I have ever had the misfortune to open an account with. (And let me tell you, they are up against some pretty stiff competition!).

Last summer (July 2020), despite my credit report showing no missed or late payments with Barclaycard, and a good/excellent credit score, Barclaycard slashed my available credit from five thousand pounds to about fifty pounds with zero notice. The first I learned was when I received an automated email saying I was nearing my credit limit. Needless to say I panicked, concluding (as you would) that someone had used up my entire 5K available credit.

A day *after* the arbitrary limit reduction I received a letter, informing me that they had reduced my limit due to missed/late payments or a poor credit rating. Both of these grounds were demonstrably false.

Fortunately, I was at home when this happened and not travelling. Imagine I had been travelling with my Barclaycard as my only source of payment, believing I had 5 grand available? The possible consequences really don't bear thinking about.

On complaining, they told me their terms and conditions allow them to slash credit limits without notice and without warning, even for customers with no missed/late payments and a good credit score, and that they do not need to give a reason.

If you are happy having a credit card whereby they can slash your credit limit at will with no notice, for no reason, and then offer not so much as an apology, then go for it. Otherwise, avoid Barclaycard at all costs!

Reviewed on 23rd February 2021

Julian Wagstaff

Interest overcharge following fraud, incompetent customer service

Please be careful and check your statements! Following a badly dealt with case of card fraud they’ve been overcharging me interests. This has been going on 3 months. Only today I’ve been on the phone almost 5 hours trying to sort it out. My credit sco... Read more

Please be careful and check your statements! Following a badly dealt with case of card fraud they’ve been overcharging me interests. This has been going on 3 months. Only today I’ve been on the phone almost 5 hours trying to sort it out. My credit score was also affected. Stay away from these incompetent daylight robbers!

Reviewed on 30th November 2020

Cristina Massei

Mr

They not helpful don't care how long u be in with them

Reviewed on 5th October 2020

Ibrahim

Easy to manage, generous offers

Find the app very easy to navigate. Like that statements are paperless. I often get good offers and the balance transfer fee is lower then other cards I have. All round great product!

Reviewed on 11th July 2020

AshR27

If I could leave a score of zero I would. In fact -100 might be more accurate.

If I could give zero I... Read more

If I could give zero I would.

Absolutely appalled by Barclaycard's customer service or lack thereof over the last three months. Not only is it impossible to actually get through to them (as you'll read in many reviews below), you send a secure message online where it clearly states they will respond in 24 hours and you either get a generic "we've forwarded this on" message or nothing for 4 days. Then when you do get a reply they haven't even done what you asked them to do. I phoned the number I was given by Barclays for their complaints line and guess what?! The complaints department is closed due to Covid 19!! What a surprise.

They currently owe me £2,000 which is sat on my credit card (having received a refund through my travel provider eventually) and yet they seem incompetent or unwilling to refund that credit to my bank account - which you guessed it, is a Barclays account.

If I was sat on £2,000 on their money you can bet your bottom dollar I'd be in all sorts of trouble.

Absolute joke and will be leaving Barclaycard as soon as I get my money back!!!!!!!!!!!!!!

Reviewed on 2nd July 2020

Christina Stone

No Customer Service at all

It was bad before, but now it is non-existent. Just wasted 1hr30 minutes on hold before I gave up. The only reason I waited that long is because they also ignore their secure message service... supposed to reply in 24 hrs, I reminded them after 5... Read more

It was bad before, but now it is non-existent. Just wasted 1hr30 minutes on hold before I gave up. The only reason I waited that long is because they also ignore their secure message service... supposed to reply in 24 hrs, I reminded them after 5 weeks and they ignored this as well... I am insulted by such obvious disregard for customers they claim to value so much!

Reviewed on 27th June 2020

Dominic K

Worst credit card in the world.

No customer service at all , spend hours on my phone trying to contact Barclays.

Reviewed on 27th June 2020

John Smith

Worst company ever

Because of their technical issues and inability for me to contact them they left an erroneous late payment on my credit... Read more

Because of their technical issues and inability for me to contact them they left an erroneous late payment on my credit report.
Spent weeks trying to contact them, went into branch, raised complaints and never heard anything. I can contact Halifax in under 5 mins.
Got rejected for our mortgage today, estimated cost of £8k because of their incompetence.
My complaint will be being escalated to the FCA.

DO NOT USE THEM.

Reviewed on 26th June 2020

Nathan Paul

Excellent for using abroad

No charges on cash withdrawals or transactions overseas, highly recommended for those who work overseas regularly

Reviewed on 17th June 2020

SB152

Good card to have.

A good card to have, your flexible friend, covers you for all your purchases. One to count on

Reviewed on 10th June 2020

Janice Smith

Excellent customer service and great credit card

This was my first ever credit card, they gave me a good limit with fantastic deal on interest as I had been a loyal Barclays customer for 10 years.

Reviewed on 3rd June 2020

Jayanna Watts

Customer friendly credit card

I have had quite a few (probably too many) credit cards in my lifetime and Barclaycard has been the simplest, and customer friendly service I have experienced overall. Anything I needed to do with my card, whether that's to change my direct debit or... Read more

I have had quite a few (probably too many) credit cards in my lifetime and Barclaycard has been the simplest, and customer friendly service I have experienced overall. Anything I needed to do with my card, whether that's to change my direct debit or organise a balance transfer etc, it has been very smooth process with no fuss. I've had no issues at all and I'm a very happy customer.

Reviewed on 29th April 2020

Julia

No complaints

I haven't had a bad experience with Barclacycard, but I haven't yet had any need to liaise with their customer services about anything. That is where you really find out what a company is like. The online banking works well and is user-friendly.... Read more

I haven't had a bad experience with Barclacycard, but I haven't yet had any need to liaise with their customer services about anything. That is where you really find out what a company is like. The online banking works well and is user-friendly. Barclaycard also offer regular balance transfer deals to existing customers. No plans to move to a different provider any time soon.

Reviewed on 27th April 2020

Helen Elizabeth Plant

Easy peasy

So simple to apply online. About 10mins later we were the proud owners of a Barclaycard.

Reviewed on 4th July 2019

Liz Clapperton

Easy to use

Great customer service and app. Great functionality and good interest rates

Reviewed on 21st June 2019

Roo3712