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David Warrick

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Review of the Barclaycard, Initial Credit Card:

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Draconian rules and pathetic customer service!

Barclaycard has draconian rules and pathetic customer service! I recommend looking for another card. You would think that any credit card company would be happy to receive your payments, deposit them immediately, and give you immediate credit. Not Barclaycard. They require that all payments be “in the form of a single, non-folded check or money order.” What happens if you need to put 2-3 checks/money orders in one envelope? Barclaycard says, “Any payment with multiple checks or money orders, additional correspondence, staples, paperclips, etc. will be considered a 'non-conforming payment' which may delay the crediting of the payment for up to 5 days.” The rule about multiple checks/money orders delaying your payment could be considered reasonable except for three factors: (1) They deposit the multiple checks/money orders immediately, so they get the funds immediately, but they don’t credit your account immediately. (2) They may delay crediting your account 10 days or more, and not 5 days. (3) In the meantime, if you have to pay to get copies of checks/money orders that they have cashed but not credited to your account, Barclaycard does not reimburse you for the expense! Reviewed on: 11th October 2016

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