Newest Review: ... of my wedding on it. Meaning lots of Clubcard points and no interest. I kept my Barclaycard as a back up really due to the low interest ra... more
My first credit card - ahhhh!
Member Name: katyj10
Advantages: Handy for online purchases
Disadvantages: Low limit, quite high APR
This is a review of my Barclaycard credit card that I have had for 13 years now. My first credit card: picture me, a first year student, a bit green, skint and being told I could have a whole £500 limit!!!
**Kept the card***
Roll on to 2010 and I've paid off all my student debts but still have the card. Admittedly it's not on the best APR at 9.9% (cash rate is an alarming 27.9%) but I mainly use it for online purchases and gambling websites (yes I do like a bet on the horses!) and I settle the balance now each month.
**A loyal customer**
Why have I stayed with them for this long? Well to be honest I have other credit cards like cash back ones that I use for petrol and shopping but I have found the customer service at Barclaycard to be excellent when I have needed to use them.
**Excellent when things went wrong for me**
In 2008 I bought something online for my wedding (a sad trackie top that had my married name on the back of it) I planned to whip it out and wear it home from the airport after we got married in Mexico. Sadly the US website I ordered it from took the money but never delivered the goods. So I never got my top but Barclaycard were excellent in reversing the transaction after I proved my attempted communications with the company to chase my top. Barclaycard made me then destroy my card and order a replacement one all in the name of security! I'm quite glad now I didn't get it as I can't imagine wearing the top now I've been married a couple of years.
Shortly after finishing Uni and earning a full time wage I wanted to buy a PC so I rang Barclays and asked them to raise the credit limit. They refused me this credit (I've no idea why, I only wanted £1000!) so I had to take out another credit card to make this purchase. That was a bit annoying.
***A little more credit**
Shortly after my failed credit application they put the limit up anyway but by then it was too late and I had bought the computer. So I have a slightly higher credit limit now but don't really need to use it but I suppose it's handy to have just in case. In the words of Julia Roberts in Pretty Woman: "Big mistake" Barclaycard. You'd have probably made a bit out of me in interest for a year or so but that's just not my style now!
**No comments about online banking***
I don't do online banking with this card as I don't tend to have much going on it so just wait for my paper statements and pay the balance.
**Good monthly statement**
Their statements are really easy to understand, outlining a summary of your balance, minimum payments and a recommendation to pay more than the minimum payment, and then there's a box about the APR your card is on and credit limits.
The back of the statement has clear information about bank charges which are £12 each for late payment, going over your credit limit and returned payments but if you stay within your credit limit and ensure payments are sent / received on time you can avoid these charges. I have never had to pay one thankfully.
Well, this isn't my primary credit card and I don't think I spent enough on it to get the incentive when I first got it so I didn't get my £30 M&S vouchers or whatever the deal was all those years ago. I suppose I'm not really the type of customer they really want, just putting the odd online purchase on it and paying off the bill monthly. I really appreciated how well they dealt with the company that ripped me off and apart from the issue over credit limits that happened nearly 10 years ago, I have never had any problems with Barclaycard.
Summary: Not the best rates but treated me well as a customer
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