I have never had a credit card so I can't be sure but I think they would charge a higher rate of interest on the remaining balance after the 0% period ends
I mean I would need to set monthly payments so it fully pays out £3000. 24x £125. Or can I pay less , let's say £70 a month , but what would happen after I didn't managed to pay out £3000 by end of 24th month. Sorry for long question
Dummy here. So if I transfer let's say £3000 and don't use card for any purchases but don't pay out fully myb£3000 by end of 24 months they will start to charge me 21.9% on remaining outstanding balance? Or do I need to set monthly payments so it would pay out my balance by end of 24 months?
I had previously only been able to get very high APR credit cards, and eligibility checkers refuse me for most cards like this, but Barclaycard accepted my application but only gave me 18 months at 0% for balance transfers, but for me that’s amazing. They initially said it was a £200 credit limit until I proved my earnings, and then they increased it to £9,300. If you get refused for a lot of the high street cards, I’d say give this a go as I was really surprised. Regarding them reducing credit limits, all of the articles I’ve seen have been from people who don’t use their credit limits, but like to have it there for a rainy day. Barclaycard are now asking people to prove their income to show the credit limit they have is affordable, but I agree there’s a lot of negative press right now. Thanks op
They reduced my limit by £10000 and refuse to give me a reason. I work in the NHS and have been working 12 hour shifts constantly since the pandemic started. Currently shopping around for a different provider and wouldn't recommend Barclaycard.
Posted 14th AprPosted 14th Apr
Barclaycard Platinum 0% interest on purchases for up to 20 months & 0% interest on balance transfers for up to 18 months @ Barclaycard
After not being eligible for the Lloyd's card posted here I went on a little search and found this card, the website offers the same soft check on eligibility so it won't effect … Read more
Can you get this card without having a current account??
That’s only a problem if you need £300. In terms of credit score (not that there is actually any such thing from a lending point of view as each company will have their own selection criteria) won’t help you. In fact it could be seen by some companies algorithms that such a low amount means other companies are not prepared to lend, although less likely now as when applying for credit each company can see lots more about you - including your previous credit limits, balance and how much you paid off.
I thought it was opposite but you'll still be down £300 on your overall credit available to you
That is incorrect. Lenders can see the last 6 years worth of your credit accounts regardless of whether they are open or not, just like you can when you review your own report.
Posted 5th FebPosted 5th Feb
0% Balance Transfer for up to 21 Months (0.9% fee) + £30 Barclaycard cashback + possible further £20 cashback @ Barclaycard
29/03 - Ends today
If you are looking to shift an outstanding balance from other credit cards to a 0% offer, you could get a 0% balance transfer up to 21 months with a low transfer fee of 0.9%. Plus … Read more
Just remember to read the small print. Tesco Bank keeps offering me a 0% interest balance or money transfer until October 22 on my Tesco credit card. When you read the small print is says ' You will be charged interest on any purchases made, even if you pay off the full purchase balance each month, until you repay your balance or money transfer(s) in full'. So if I continue to buy stuff with my Tesco credit card and pay it all off each month I will now be charged interest whereas before I wasn't. What they give with one hand they take back with the other... ;)
This year alone I applied for three credit card as I was buying a car and didn’t want to empty my account. Approved without any proof/documents etc with credit limit above my expectations
I would tend to agree with you about tightening up but I applied for the 15 month no fee card and my credit limit is 20k :o :o :o :o I only needed a quarter of that
I understand... recently applied for another card and was approved no questions asked. I do used credit cards a lot but not all of them. Also keep switching MBNA cards recently depend on the offers. I think I do needs to cancel some cards as I am not using them and only keep the one I used. Regards
Banks are tightening up on their lending, unless you bank with that institution they want to see proof. The more open credit (credit you don't utilise) you have the less it goes in your favour. I had the same problem with American Express, I went to pay for farm equipment for my brother in law and it was declined. I called Centurion customer services and it was because I hadn't used my card in such a long time and they needed to see proof I had the funds to repay them back. I sent the collections department a copy of my online banking screen and the transaction was approved.
Posted 29th Dec 2020Posted 29th Dec 2020
0% Balance Transfer for up to 15 Months (NO fee) + £20 Barclaycard cashback + possible further £20 cashback @ Barclaycard
If you are looking to shift an outstanding balance from other credit cards to a 0% offer, you could get a 0% balance transfer up to 15 months with no transfer fee plus £20 cashba… Read more
for any interested and with larger balances. Santander currently have a 0% BT card for 26 months that allows transfers anytime within the 26 month period not just the first 3 months. 0% on transfers and purchases as well. only kicker is its £3 per month for the card but seems like a cracking deal to me.
(lol) (lol) (lol) (lol) (lol) yeah right
Snap. Also transferring from Santander and Sainsbury's. Will close my accounts with them for next time they have a decent offer. There's also NatWest and Virgin with regular 0% offers. Been stoozing 0%s for a while and hoping to pay off more of the offset whilst they keep letting me get away with it.
I had to weight until I trimmed the excess flab and was a respectable 12 stone. :D
Debt is bad only if one does not sweep it under the carpet. (yes, you read correctly) Once swept, accumulate yet more and more debt, and once one has purchased all the material things one needs for a lifetime, do a runner. (lol) How's my above comment ? Does it inject some much-needed humour amongst these "boring" comments ?
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Soft checks don't affect your credit report. It only shows up on your credit report, but the lenders can't see it. Credit score number is not used by lenders, they use their own eligibility criteria to see if you are suitable. Longest card for 0% purchases is 20 months not 24, I was getting confused with the balance transfer card. If you can get a balance transfer card it may work out better. Pay on your primary credit card then transfer balance.
Who is the 24m one with? I did a soft check yesterday, so don’t want to do another as even though it says it doesn’t it does leave a mark on your credit score so don’t want to re do it
Best to check MSE for that sort of stuff, there is a long one over 24 months long. Do the eligibility check and see what you can get.
Anyone know what the current longest interest free on purchases card is? Im going to be spending quite a lot over the coming weeks but won't be able to pay back in full until the end of 2021/early 2022.
Posted 13th Mar 2020Posted 13th Mar 2020
Barclaycard Forward - up to £40 cashback for the first year plus possible £20 TCB/Quidco
This is a card targeted towards customers new to credit or with low credit score however doesn't stop anyone else applying for it. You get cashback for just making minimum payments… Read more
that is good to hear. the deal was taken off their site last night well before midnight as i looked for it at about 10pm and it was gone. i didn't take a screenshot of the deal so i don't have any evidence of the promise. it will therefore be difficult to refer to it if they don't cough up. often the credit card literature will have the promotion mentioned when the card comes but this is not always the case as we have had several introductory bonus cards. the t&c of this promotion is very easy. make a purchase for any amount on your credit card within the first month and the bonus will be paid before the third month if i remember correctly.
TrustPilot is full of negative reviews as people just like to vent in the hopes of getting some sort of kick out of it, or indeed compo. I’ve been with them for many years and have had no reason to complain at all, or actually contact them about anything in fact. What are the terms of the bonus? Is it payable after XX months of having the card? Etc.
just found this on barclaycard, so guess just as well i am only going to use it to get the £25 bonus as they sound like a terrible credit card provider. just hope they cough up on the bonus as they had promised. sounds like it will be a struggle to get the bonus sorted if they don't cough up from the reviews as customer service is really bad. https://uk.trustpilot.com/review/www.barclaycard.co.uk
They don’t look at your “score” at all - trust me. Even the “quick checks” look at the data on your files - in particular it looks for bad markers and defaults as well as confirming identity and addresses - it can do a lot in “just 10 seconds”. Ignore any gumpf on unsolicited websites such as the one posted - they only get you to apply via them so they earn a commission.
irrespective of what you keep saying, there are lots of articles that state that a good credit rating will allow you to have a credit card and poor credit rating will stop you qualifying for one. here is another example below. https://www.moneyexpert.com/credit-cards/how-many-credit-cards-can-i-have/ from my personal experience i find that the cashback credit cards have given me low credit limit and the standard credit cards give me a higher credit limit. when you apply for a credit card, the automated process determine if you qualify for the credit card or not, and it does this by looking at your credit score as the process takes no more than 10 seconds before it accepts or rejects you (or to say that it needs to review your application) and so this is too short a span of time to look at the applicant's credit history. for 10 seconds, the system would only ever be able to look at a score before returning a decision. if your credit score is low or there are problems matching you with the electoral register then the review process would kick in later, and at that stage the credit history would be examined. however when i have applied for credit cards in the past, several times i get a decision instantly of qualifying or that i do not qualify and they need to review. so when i do qualify they are looking at the credit score and not the credit history as this would take longer than the 10 seconds process. https://www.moneyexpert.com/credit-cards/how-many-credit-cards-can-i-have/
Uber: £20 off first ride with Barclaycard, every 11th ride is free!
£20 off your first Uber journey with Barclaycard
Free Uber rides - Upto £10 twice for Barclays/Barclaycard customers (New customers)
Discount Vouchers When using your Barclaycard at Pizza Express, Yo! Sushi, Goldsmiths, Firebox possible 10% Quidco at firebox
RENT ONE GET ONE FREE AT BLOCKBUSTER - PRINTABLE VOUCHER
Finding a Bargain Credit Card Deal at Barclaycard Today
In a sense, Barclaycard dates back to the founding of Barclay’s Bank in 1736, but its history really begins in 1966, when the first Barclay’s credit card was introduced. In 1977, Barclaycard joined the group of banks that pioneered the VISA system, adding MasterCard facilities in 1990. The UK’s first online banking service followed in 1997, then contactless travel payments in 2006 and contactless mobile payments in 2011. At every stage in its history, Barclaycard has been at the forefront of technological developments, providing customers with new ways to pay for their items and new banking methods. If you take advantage of Barclaycard’s discount deals, you can expect more of the same in the future.
Where to Buy Barclaycard Products
If you want to start using a Barclaycard, you’ll need to set up an account at Barclays Bank. To do so, you can either visit one of their local branches or set up an account online.
Finding your nearest branch of Barclays is easy. Just head to the AskBarclays website and use their Branch Finder tool to locate a bank within easy reach of your home or workplace. Enter your postcode and the system will call up a list of branches within a few miles, along with their opening hours throughout the week. If you pop in at some stage, staff will be happy to lead you through the process of opening a bank account and applying for a Barclaycard.
Alternatively, you can apply for a Barclaycard online. Head to www.barclaycard.co.uk, click on the “Credit cards” tab and then “Choose a Barclaycard”. Choose the right card for you and then press “Apply now”.
Product Categories at Barclaycard
Barclaycard offers a range of financial products for its customers, and it’s worth checking all their categories to find the right card for your personal needs. Everyone’s financial situation is different, and Barclaycard have come up with a variety of packages to suit everyone. Categories at their website include:
Purchase credit cards – Cards that provide 0% interest on purchases for set amounts of time. Providing you remain within your allotted credit limit, these cards are ideal for shoppers who regularly make online and in-store purchases. Options include the Platinum Barclaycard, which provides 0% interest for 25 months, and the Platinum Travel Credit Card, which limits non-sterling transaction fees on purchases abroad.
Rewards credit cards – Cards that allow the user to earn points when they shop. These points can then be spent at a later date on anything from days out at theme parks to coffees, theatre tickets and holidays. Includes the Freedom Rewards Card (which also comes with 12 months 0% interest on purchases) and the Hilton HHonors Platinum Visa which hooks up to the Hilton Hotels points scheme and will suit regular travellers.
Credit building credit cards – Cards that are suited to first time credit card holders or those with a chequered credit history. They allow customers to gradually build up a credit rating before graduating to other packages. Includes the Initial Credit Card, with three months 0% interest on purchases, and the 18-month Balance Transfer Platinum Card which provides interest savings on balance transfers made soon after opening an account.
Balance transfer credit cards – Cards designed to allow customers to move money from store credit cards or other credit card providers to take advantage of Barclaycard’s 0% interest offers. Includes 37, 32 and 24-month interest free Balance Transfer Platinum cards (with varying balance transfer fees).
Barclaycard also offers a range of other services via their customer website. For example, the balance transfer calculator allows customers to plan any alterations in their accounts. There’s also a credit card comparison tool, which is a handy way to compare all of the properties of the various cards on offer from Barclaycard.
Brands Available on the Freedom Rewards Scheme
The following major UK brands allow Barclaycard customers to spend their Freedom Rewards points on their products:
If you qualify for the various credit cards offered by Barclaycard, starting an account is simple. Head to barclaycard.co.uk and choose the right kind of credit card for you. Click “Find out more”, then “Apply now”.
You’ll then be taken to a separate application page for the card you are interested in applying for. Just fill in the information required (including basic details like your name, address and employment details) and specify why you’d like to apply for the card. Then press “Continue” and continue to add the information required.
The whole process generally takes around 10 minutes, but the approval process can take a week or more.
Barclaycard’s Loyalty Scheme
The Freedom Rewards loyalty program is a key part of Barclaycard’s operations and it provides a wide range of benefits for members. Barclaycard members accumulate Freedom Rewards points whenever they use their card to shop, whether that’s online or in-store, as well as on transport networks like the London Underground. They can then redeem those points at more than 70 of Barclaycard’s partners, including major brands like Nandos, House of Fraser, Legoland, Currys and Amazon. To sign up, you’ll need to be a Freedom Rewards card holder, so it’s worth considering choosing one when you decide which Barclaycard to go for.
In addition to Freedom Rewards, Barclaycard also offers a loyalty scheme for businesses. Their Business Credit Cards allow firms to make their payment systems more efficient and manage expense accounts easily. They also feature Cashflow Support Cards with special features to help small businesses manage fluctuating cashflows.
Sales at Barclaycard.co.uk
Being a Barclaycard member entitles you to a range of discounts negotiated with the card provider’s partners. For example, at the “Entertainment” section of their website you’ll find cut price tickets to gigs, events and films, including special packages for any events at the Barclaycard Arena in Birmingham.
The company also offers discount offers on Barclaycards themselves. You can find their introductory offers listed as they are announced at the Barclaycard HotUKDeals listings.
Using Your Barclaycard Account
Barclaycards operate just like normal credit cards. You can use them to make contactless or conventional payments in shops or on transport networks, and they can be used to buy items online as well.
If you do choose to use your card for contactless payments, be aware that Barclaycard maintains a £30 daily limit for contactless payments.
You can also link your Barclaycard to a new service known as bPay. This innovative feature entails transferring cash into a bPay account that can be used with wearable devices and mobile phones to pay anywhere. Barclaycard Visas can also be used with Apple Pay (although MasterCard’s currently cannot).
Barclaycard also enables users to service their account via online banking. In fact, they were one of the first banks in the world to make this service available. Nowadays, logging on is simple. When you’ve registered with Barclays’ Online Baking system, you can log on via their website.
Cancelling a Barclaycard Account
If you find that Barclaycard isn’t for you or you encounter service problems, closing your account shouldn’t be a problem.
To close your account, the first thing to do is to call Barclaycard’s customer service department on 0800 1510900.
Staff will then lead you through the closure process. They may also offer you special incentives to keep your account open, and it’s worth asking them whether this is a possibility as these incentives can be significant.
Barclaycard’s Social Media Presence
Barclaycard are active across most major social media platforms and their accounts are a handy way to check their most recent packages and any special offers for Freedom Rewards customers. You can find them on:
If you want to know more about the various accounts on offer, how to use Freedom Rewards, online banking or how to cancel your account, contacting Barclaycard is easy. You can get in touch using the following methods:
Phone: 0800 1510900 or 0333 2009090 (24 hours a day, 7 days a week)
There’s also a special number for anyone applying for a new Barclaycard at 0800 7310200 (8:00-23:00 7 days a week) and a number for Freedom Rewards queries at 0800 1615303 (Monday to Friday, 9:00-18:00, Saturdays 9:00-16:00).
Customer Services Barclaycard House 1234 Pavilion Drive Northampton, NN4 7SG United Kingdom
Most general questions can probably be fielded by the Barclaycard FAQ that can be found on the company’s website.
Find the Perfect Credit Card Deal with Barclaycard Discounts
Credit cards are a huge part of modern life and if you regularly need to pay for goods and services with a credit card, it could be time to switch to Barclaycard. Barclaycard offers a variety of packages for different types of customer as well as special offers for Freedom Rewards account holders. You’ll find the best introductory deals and special offers at the HotUKDeals Barclaycard listings.