Barclaycard Deals & Offers

I got 18% .super deal. Thanx. I went for minimum repay. So i have more money in my bank account for longer.i will repey the debt on monthly basis and at 18% month repay the rest. I opened some high interest bonds and saving accounts to make some extra profit as well. Wooo hoo

Dohh (annoyed)

I’ve applied and forgot to do it through the TCB site (skeptical)

Thank you

I have opened and closed credit card accounts over the years to take advantage of balance transfer deals but also left this one running in the background as an emergency money source if ever needed.

Excepted at enough places that the few it’s not accepted by makes zero difference really. When I used to pay for my own fuel I was getting plenty of cashback as you’d be hard pushed to find a petrol station that won’t accept them. Most supermarkets do too; can’t recall one that doesn’t.

Wow 0.25% cashback eh? Almost worth ditching the Amex with 0.5% cashback that increases to 1% the more you spend (and 5% cashback for first 3 months use)....oh wait 😜 Barclays are so late to the party that the music has stopped, the police have turned up and everyone’s finally passed out (lol)

For a limited period after you get a card , but not accepted everywhere as they charge such a high rate to retailers :( .

amex is best cashback

I get 0.5% cashback on my Barclaycard Cashback card for UK use and withdraw cash abroad with my Clarity card (pay off same day via on line banking to avoid interest ) for the better Mastercard rate . Can't really see the point of this one (confused) .

I contacted them and they told me I owed nearly £15k with £12k at 6.9%... I haven't put a thing on the card yet so they gave me another person's details, gave me a fright for a moment! Contacted on fb, they rang me, they were far more more helpful and very apologetic

if you contact customer service team they should be able to advise on this.....

How do you find out how long you have interest free? I was given a bigger credit limit than I expected, slightly different offer as its the 27 month one, I can see it on balance transfers but not on purchases :/ its 3% fee for transfers so I was going to put some purchases on here whilst I paid off my last card but all it keeps saying is see your statement which I obviously haven't got yet!

Barclaycard are usually pretty generous.

Just did pretty much the same, decent limit given as well.

What is max limit I can use to keep my 27mnths BT & purchase fee free period

Barclaycard trying their chances with some free advertising (lol)

Can balance transfer be done from any credit card balance. Does it have to be same person?

Cant see 36 months 0% purchase with Virgin Money anymore...only 26 or 28 months 0% purchase. I’ve read Virgin, Barclaycard & PO give out decent credit limits. Yes I know this is based on your credit history mainly but sone providers are known for being more generous than others.

Ok. Thanks. Don’t have a PO account. Just a BOI mortgage.

Nearly 7 weeks and no credit back

I wonder if this is the one

Anyone got their credit yet?

Just be on the safe side, make .50p or a quid above (just in case)

Will a purchase of exactly £30 qualify?

Quidco link when clicked through doesnt mention the up to 40.00 Cashback offer from Barclaycard, HDUK link does as well as some direct links, couple of years ago both offers were available via cashback sites

Why is this cold? I don't see any downside.

You can make a purchase and pay it off by direct debit so you don't get charged interest. After 1 year you get £40 into your account and possibly £20 via Quidco.

Thanks mate

No, you need to make a purchase in each 3 month period

Booo! 👎🏼 I complete two transfers...I think they’ve identified their mistake as nothing doing for me either.

From what I understood you have 60 days to make the balance transfer to get 0%. I like it.

Bummer. Not happened to me. Yet!

I received 2x £20 cashback credits as well for doing 2 balance transfers but looks like they've spotted their mistake and re-debited the £20 again.

Just received a message telling me that I owe over £15k with so much being a balance transfer with 6.9% interest. I have no faith that I'll get the correct information!

Back in my day etc, the first couple where great in old Liverpool airport, all the proper ravers together sharing the love, great Techno sets - and all in walking distance... then all the 'ard lad beer boys started turning up in following years, looking for trouble,I got threatened a few times because I wasn't wearing a stripey Henry Lloyd sweater, smart black pants, smart shoes (as was the beer boy style at the time) and of course the freak I am - no fist full of Argos sovereign rings. I do hope things have improved but at 39 honkin years old, I just can't be pooped anymore.

Chuffed to be approved for this to add to my arsenal of overseas cards. No panic now to pay off cash advances ASAP. Will let the DD do it.

Going to answer my own query here. I asked them directly & this is the answer I received.... "You won't be charged any fees on any non sterling transactions done online or otherwise until 31-08-2023 if you are approved of this card." Unfortunately, I'm not approved for the card & I can't swap my present Barclaycard Platinum card for this either. Oh well, life goes on....

I looked at the wrong tandem card, they do a credit builder one with only low limit. I think the max limit on their other cards is £12k.

Tandem gave me 6k credit limit off the bat.

I don't know but will try and find out. I know someone on here applied for version 1 of the travel card (this is at least the 3rd version) and when version 2 came out with a longer offer period, they extended the date for them.

I didn't know if we could do this.

Not if you go into the bank. Over counter withdrawal is free and shown as a payment. So no charges from Halifax.

Like a Halifax clarity but with an expiry date

Use starling

I have been with Barclays all my life. And with Barclaycard since I was 16. I have a perfect credit rating. Never once ever defaulted with them. And constantly am written by them with letters saying "we have upped your amount on the card as you have been so good". But Barclays will not issue me this card in replacement to my standard visa credit card. I tried like crazy in 2014. And spoke to various managers of the call centres and fought like hell to get it and who would not budge saying I cannot have it. I did it again this year in June, and told the manager in the indian call centre to just close my account with them if I cannot have it as I was so sick. Thinking it would be a negotiating tactic. And he just upped and did it on the call. I therefore went to the store and spoke to the personal banker after my account was closed, who was also adamant I could not have this card and my account is now closed so need to wait 6 months at least to reactivate it. This is barclays customer service for you. So in the 4 months since this is cancelled I have got a Halifax, Post office, Sterling and Revolut free foreign currency credit cards and am not missing Barclays at all. Barclays are an awful company with dreadful customer service. And no customer loyalty at all inside of them. Being a perfect customer to them means nothing. So I woud say, go elsewhere with them.

Yes it's only for existing customers

So can the existing customers benefit from this?

Sept 2020 for mine, transferred this morning.

Are you serious? 6.9 woudl equate a £1000 loan over 1 year = £1,037.76 repayable the 2.9% would be £29.00 with the APR = 30.09 total repayable would be £1067.85... Wonga! £1000 loan Wonga had rates of up to 4,214% representative APR that would mean if you paid nothign for 1 year you would owe them 42k!! Think you are the only one mate, not so sure many people care about the fact taking a 33 month balance transfer would have some effects on your credit file..

Outrageous 2:9% BT Then 6:9% apr Wonga reinventing FREEZING

Can anyone explain please what this means when it says pay the balance over 19 months with no fees or interest from money.co.uk? Is it 19 months or 24 months? See photo . https://www.money.co.uk/credit-cards/balance-transfers-credit-cards.htm

There are probably better option credit cards to boost your rating. Alternatively - this will also work.

Hi all. I need advice. I've never had a credit card. I need this for make my credit score better. Is it a good option ? Thsnx

Can I use this one just for shopping and pay it back each month without a fee ??? Or after 3 mo this I will be charged a monthly fee even if I use it just for shopping? Thank you

Good deal and appreciate the detail in the description OP!

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 ....