Barclaycard Deals & Offers

What I’m looking for is a credit card that has a decent 20 month plus on 0% spending but with also cashback like £25 , because it’s rare to get both , you usually only get 1 or the other .

Providing you know how to use them credit cards are fine. Personally I’ve used them to improve credit rating, credit card protection etc never had an issue and always pay it off in full. It’s the people who spend spend spend without any thinking that need to stop using credit cards.

Seriously? Did you actually read our posts? Using something wisely requires wisdom. Using something intelligently requires intelligence. Those who understand interest earn it, those that don't pay it. The way I've suggested to use this does not involve getting into actual debt - simply holding more funds in savings account(s) that you could use to pay off the credit card in an instant. Literally will have no negative impact should you become redundant or can no longer work - in fact it would put you in a better position as it would give you access to more funds should you need it, plus the extra interest you'd earn. Sure, if you just want to get this because you decided you need to have the latest iPhone that you can't afford, then this is a bad idea, as I stated (no self control or lack any understanding of money - totally fair and just, I'm not saying it in a nasty way, just saying it how it is). There may be a case that you find yourself in a difficult situation and need credit to feed your family - it happens. This is a reasonable way to do it, so long as - like I said - you understand money and pay it back. But of course - all credit cards are evil, should never be used by anyone and should be banned forever.

Re: The deal itself, it's worth noting that Barclaycard and Sainsburys have 2% or 2.5% minimum repayments, which actually becomes quite singificant over the lifetime of these deals versus the 1% you get with some other lenders. If it's fee free then it's not such a worry, but if you're paying 1-3% handling fee you want to have more than half of the balance still remaining at the end of the term if you're looking at this as a stooze. Of course, if it's just to manage short-term cashflow problems, then a higher minimum repayment may suit you.

I also think phrases like "Save up for the things you want. Cold" are quite condescending too, which is what lea to my reply. Maybe consider others' circumstances before posting.. Not everyone's circumstances allow for that either,, life can throw horrible unforeseeable curveballs to us or to our nearest and dearest. Or some people may have saved up and wish to offset their savings. Your post itself is implying that HUKD members are not able to use it other than as a ticket to debt. I get tired of the CC haters tarring every deal with the same brush - often it's a blanket response from people who don't understand how they can be judiciously used to their advantage, which is what prompted my own response.

I agree! Too many people keep banging on about cash. Any application 'affects' credit score. It can go up and down. So what? As they say give people some information! Surely late and missed payments are what would 'affects' your score negatively. They might see that you have taken cash and might conclude that they don't want you but this card is designed to do exactly that. What happens if you take this out and then don't get any new credit cards and you already have a mortgage. The 'affect' in my crefit score i couldn't give a flying monkeys about! This is far better and cheaper than payday loans. However UK withdrawal is not cheap as you have the cash machine fee and pay interest straight away and at 27.9% The better card might be the creation as its only 12.9% apr on cash and spending and no fees worldwide and including the UK. Thats about 1% a month so for every £100 if you took two weeks to pay it off it eould cost you 50p. I don't agree with "person so desperate for cash he had to use a credit card" For a start tradesman don't always have the facility for credit cards. Izettle is changing that but before you had to have a metchant id etc... So cash withdrawal was good. Also if I need the basics in tesco, lidl, aldi etc... I can use the credit card for spending there and not cash. I agree it shows up different but there seems to be a hysteria about cash withdrawal on this site and its just plain nonsense

Nice!. :-)

Probably has to do with your income. Take your income with someone who is just breaking even every month, tries to apply for extra credit and the lenders see various cash withdrawals abroad. Mind you, why is he on holiday in first place but my point is still valid.

As long as you cover the minimum payment each month you can pay it off when you like providing you get the 0% offer. Mine took about 2 working days to come and the pin is given online so I could use it immediately.

I’ve used a Halifax Clarity card abroad for cash lots over the last 2 years, as well as using it every now and then in the uk. I also got one of theseBarclaycard travel cards for a trip to Whistler last month and again drew out plenty of cash on it during that trip. When you get the card you can get the Barclays app which shows your Experian score and mine was 999 which I believe is the best score you can get. That doesn’t fit with what you say.

Received a letter from Barclays that they are going to increase my credit limit but no offers of balance transfer for few months now.

Not on mine either, haven't had an offer for a long time now

No offer on mine either.

Lloyds same, new and existing customers

Looks like new customers only, no offers showing like that on either of my 2 Barclaycards :(

I suppose, I've never had a problem, so really can't comment.

Its the principal for me. There's no good reason for them to change their deal like that.

Wow, what a pile of pants! I won't waste my time then! I have to admit I had alarm bells at the 'A transfer fee of 3.5% will be applied to your account at first, but you'll only pay 1.45% as we'll refund the difference' bit. I mean, WTF is that all about?

Happy with mine. Can you apply for a second card? Not to transfer a BC balance, but from another company or do you share the original BC credit limit?

Just to suck in the buy now -pay sometime - maybe - generation - avoid :( :S

“0% interest free doesn’t apply to cash withdrawals” it’s very clear, all travel credit cards not only this one, if you withdraw cash you will pay interest until you clear the cash balance, the only way if you need to withdraw cash without paying interest is to send the equivalent payment in Sterling at the same day of the withdrawal

Credit card would only cover you for transactions after you notified them, so what if they rack up £1000 before you realise your card's been nicked? With Revolut they can only nick what you have left on the card.

Whilst that is true, there has been a few times where I have raised an issue for transactions under £100 and the CC company has stepped in for a successful resolution. The fact there is a higher chance of a successful outcome makes it a must.

Fair. If you did however, you could also save money that way too... :D

I dont buy high value items in any currency other than sterling.

First time I've known mastercard rate to be less than visa so its good to know they do beat them now and again.

Applied for this a few days ago, but haven't even got any email or heard anything. Anyone else experienced this? Also, I'm a student, but it didn't have that as an employment option, is that a problem?

Nope, completely separate with different numbers. I go to the US most years and I've never had any issues when using my card.

The 0% i believe is on all purchases and lasts 12 months. You didn't get that before and you only get the statement date with clarity. Meaning you could get this card for a new purchases here. Butbthen use it abroad. But like you in africa lots of people don't take cards and electricty is a problem so cash is king. Its all i need now is a card where you can withdraw cash wi no fees in the uk and abroad but can pay it off on the statement date. To date no card exists the closest is the saga card where if you withdraw cash you get to the statement date to pay it off. The downside is there is a cash machine fee of 2%. One day someone will offer it. Then i'll just have one and keep it

I've got a few trips lined up this year so this card sounds good for me. I always carry a lot of cash around on trips but I think I'd prefer now to use a card and withdraw what I need when I'm out there. It's still 0% on UK purchases right? I understand there's interest on withdrawing ££ cash but I' never use it for that anyway.

No. They only do a soft search so it doesn't leave any kind of record. The Money Saving Expert one (and probably all others as well) give you a report monthly. I think the ones you pay for, you can request reports more frequently but the free ones send a new report monthly.

Viewing your own credit report can't damage your credit score!? Can it??

You might want to check that, Barclays are never at the top of the mortgage rate charts and there are plenty of better banks out there just for product ranges and value and that’s not even touching on their amazing award winning customer service, oh wait that’s never going to happen is it :( you you might also want to look into having a savings account linked to your mortgage, your accounts are offset so don’t have interest so technically they aren’t savings.

Barclay's offset mortgage is a good product. You can have lots of accounts, including savings accounts for children, and offset them all against your mortgage.

dang, i already requested the experian report via barclaycard so dont want to request it again as it may impact my score. Its all the same source and I already banked with barclaycard so lets see what they say ....

I'm searching for money transfer card and via Uswitch I found out that I might be eligible for Virgin 12 months 0,% money transfer card or 20 months 0% card. If I apply for the second one with longer interest free period (but bit higher transfer fee of 2.5% instead of 2%) does it mean that they will give me higher limit? Second question is - if I start my new permanent job on Monday - can I apply straight away or I need to wait (how long?) So that my application isn't rejected? Thank you for sharing your thoughts...

Cloud cuckoo land. Last time it happened the poor and hard working middle got poorer and rich are as rich as ever.

Not if it’s just one or two applications it won’t. It’s not recorded on your credit report that you’ve been declined.

The reason I did cancel my card was,lots of problem with direct debit payments(there is always available fund on my account),idiotic non understandable fees and charges,interest increases with no warnings given,increasing credit limit with not letting you know - causing higher fees again.They cheat where they can.

Open a missing cb claim, they should approve it shortly. Did the same with my barclaycard 3 years ago!

Morrisons accepts any limit

The only way to no for sure is to do a card payment and see if the contactless symbol appears! Places I can think of which allow high value contactless payments: M&S, Waitrose, Sainsbury's, Boots, Apple, Ikea, Euro Car Parts, Nando's, Pret, Lidl, Aldi, BP, Shell, Halfords.

is there anyway to find out which ones do?

Can anyone take up this offer? Barclaycard usually email me offers like this, but nothing this time.

I haven't had the email myself - do we need to opt in or does it apply to all customers?

Nope, stock Motorola Z, fully up to date It's 100% not my device lol, check the feedback on the play store

Are you using a rooted android? then it won't work, my app works fine on s7 edge, unrooted .

I wouldn't know; last time I checked, the app can't installed on rooted devices. The FirstDirect app, on the other hand, dies. This info may be relevant to some. Or perhaps not :-) The deal's hot though.

Actually coming up to the end of my 0% period with Barclaycard - Had no issues with either the mobile app or the website to manage my account. If you're worried about getting declined for a credit card - my advice would be to use one the three free credit report sites: Noddle (CallCredit) MSE Credit Club (Experian) Clearscore (Equifax) Not only will you get a free copy of your credit report for all CRAs, they also assess your eligibility for credit cards and may offer some with 100% gurantee that you will be offered it. This is ultimatley how they make their money, yes you don't get cashback, they get the kickbaclk instead but at least you know you've 100% got a card. Alternativley, if you find a lender with high elgibility on their site, just go though Quidco/TCB yourself to get the reward.

where does all that money come from for the banks to give away?!

Last day to stock up on £400 gift cards. The cashback is due at the end of the September.

Sadly not available to all accounts, just got off the phone with BC :(

Thanks for the reply mate. Unfortunately as per the above post this offer is apparently only available to the invited which I haven't been. Shame.

I have ordered 2 x £400 Apple Store gift cards then you can sign into educational discount and pay with the gift cards. I will be ordering another 2x £400 to buy a new iPhone.

Frustrating as the offer is not available to all Barclaycard customers, only specific people who received the email. I just confirmed this in conversation with Barclaycard.

I'm sorry but this is fat better https://www.hotukdeals.com/deals/lloyds-credit-card-0-for-33-months-59-fee-20-cashback-2722532

Sainsburys bank - 28 months no fee, no interest: https://www.sainsburysbank.co.uk/credit_cards/micro/cca_nobtfee28s_micro?sid=717s&dfaid=AGG_ALL_091501 TSB - 28 months no fee, no interest: http://www.tsb.co.uk/credit-cards/landing-pages/platinum-card/?WT.mc_id=1613487|112907909|286023636|0&so=283_MSM_MSE Loads more over 20 months available too: http://www.moneysavingexpert.com/credit-cards/balance-transfer-credit-cards#nofees

Thanks Herby247. The balance I need to transfer is with Halifax so it won't be available to me but it will help others no doubt. Have added to the op but for some reason my edits go into moderation and never get applied.

29 months at the Halifax NO FEE https://www.halifax.co.uk/creditcards/no-balance-transfer-fee/

Just tried it... It's working Barclaycard

I already have two Barclaycard accounts, but as the Supercard is coming to an end, I need a card for use abroad, so I wanted to apply for this. I used the eligibility checker on the Barclaycard site and was declined. I telephoned Barclaycard and asked if I could change one of my existing cards and the operator told me that wasn't possible, but I could just apply for another card as you could have three. I told him I had been declined by the eligibility checker, so he went away and came back to say the rules had changed and you could now only have two cards. He suggested I pay off one account and close it and then apply for one of these, err, no thanks. So my other half has just applied for one and been accepted and added me as additional card holder. What a faff!

Has anyone who already has a Barclaycard Platinum managed to get this?

I concur! I had Halifax clarity but switched to this for the cash offer

Interesting as I have a Nationwide VISa with no charge for purchases abroad but charges for cash. This seems a better card to have for going abroad

8) 8)

https://www.hotukdeals.com/deals/m-s-credit-card-shopping-25-months-plus-30-cashback-plus-extra-bonus-points-2675504 Higher cashback

How do these "dual" cards work? As in balance transfer AND purchases (_;) How would this scenario work out for me: I get the card, transfer £xx which I pay back in equal payments over 25 months until the debt is settled. Would I simultaneously be able to spend £xxx and pay the minimum off each month? I don't see how the transferred balance would be different from the purchases balance... I've also resorted to using two separate cards.

I'm waiting for money transfer offer to appear on my barclaycard initial as I always been using to get 0% money transfer to my bank account for 12 months. Unfortunately, nothing showing in my account at the moment. Does anyone know if they just randomly appear?

Has anyone got cashback off quidco lately? Topcashback, no problems, but quidco I haven't had anything since 2014 and there's a fair few purchases in there. Complaints to quidco fall on deaf ears

Thanks OP!

It says I have an invalid postcode oO

Lovely product for wrecking your credit bureau score.

Exactly....if your statement is drawn the day after your transaction, you only get 30 days. "Maximum 56 days from date of transaction for new purchases and for non-sterling cash withdrawals if you pay your main balance and any monthly purchase plan payments (if you’ve taken out any purchase plans) in full and on time each month. "

The correct term is bees d*ck

Actually, seems like they charge interest on ATM withdrawals.

32 rapes/sexual assaults in a year in London alone! http://www.independent.co.uk/news/uk/uber-drivers-accused-of-32-rapes-and-sex-attacks-on-london-passengers-a7037926.html Think this a big enough incentive NOT to take this offer up, good luck if you do, just don't come crying over spilt milk.

Haven't 4 people & a 1yr old child in Kensington died because of there un trained un professional drivers & to think this bank have no morals,sorry didn't saudi money bail them out as well as uber.

Uber= death trap.

Uber are unregulated and swerve every rule they can , they are banned and being banned all over the world I very doubt if people taking up this offer will survive to get their free ride , I ask you to check this Co out , look at social media their vehicles are crashing all over London , driving down one way streets the wrong way etc etc etc .

Aww, new customers only?

Useful to bear in mind, thanks.

Just to let you know the first time you use it, it's free so might be worth it if you're going to apply for a card mortgage etc.... It really is good and you can cancel straight away and your last file will always be available!

It's the Experian file, available by joining the (free) credit club http://www.moneysavingexpert.com/creditclub Between that and Clearscore you should be able to get enough of an idea to see where you are, free of charge (I know Experian are free for a month or whatever direct, but if you're like me you used that up years ago). Hence I've not used (and don't plan to use) any paid for services at this stage - but thanks for mentioning checkmyfile, might consider it in the future.

I use checkmyfile occasionally as they quote all credit agencies! It's actually a very comprehensive service and recommended if you apply for a mortgage! However the price used to be £8 but now its nearer £15 but you can keep the credit file to download as you do not need it every month! I think people are becoming a bit obsessed by this! Years ago it was hard to get a credit file! We must remember that any company does not have to lend to you! Just as in you do not have to buy a product! Whats the mse credit file like? Have you used it jules? Is it anywhere like checkmyfile and have you used checkmyfile? Let me know thank you