I wouldn't recommend anyone getting a credit card but if you are going to, don't get this one.

I had my Barclaycard for 12 years and never had any problems at all. About 6 years ago I paid off all of my debts and didn't use the card for a couple of years. A couple of years ago I decided to use it again (I had three cards I could have chosen but as I had never had any issues with Barclaycard, I decided to use this one). Again, for about a year, I never had any problems with them. When I started using it again, I opted for paperless statements and as I always paid the same amount each month via direct debit, very rarely checked my account online. When I did however, I noticed that I had been charded PPI. Something I had not signed up for and had not paid in the past. When I went online to check back (you can only check statements back for 6 months) I had been charged this each month. I phoned them and had to speak to 7 different people before finally being hung up on. It took me over an hour of calling, being on hold and being passed from person to person (none of whom spoke decent English and none of whom knew what I was talking about) before I decided to complain online. This was very easy to do. I received a reply a few weeks later explaining that I had set up PPI when I first applied for the card (which I hadn't) but it had been cancelled in Dec 09 (which it hadn't as it was now Feb and still showing on my statements). Luckily, there was now a new number to call in ref. of my complaint so I phoned them. They had no idea where this information had come from and couldn't help me. To make matters worse, all of my online statements were now unavailable to view (and are still unavailable to date).

That is just one (ongoing) problem. Another huge problem I have recently encountered is payments. I have always paid on the same date (or the last working day of the month) via Direct Debit. I had a statement telling me I was overdue and had been charged a £12 late payment fee. I had already paid that month but was informed that statements are issued every 25 days so sometimes 2 payments will need to be made in one month. I'm not sure about everyone else but I only get paid once a month and have never encountered this with them or any other company in the past. Again, I called and was on hold for ages, then passed from person to person until I asked to speak to a supervisor. I had to ask 3 times before this was allowed. When he came on the phone he explained to me that this has always been the case (it hadn't as my statement was always generated on the same date and my payment was always made on the same date) and then accused me of lying by stating that my payments were not always being made on the last working day of the month. He was very rude, unhelpful and didn't get his facts right when looking at my payment history. Again, I was forced to complain online, this time being refunded the £12 late payment fee but also being told that the info I was given was correct and payments may sometimes occur twice in one month. I was also told it would take 2 months to change a payment date meaning the next 2 payments would also be late and that those charges would not be waivered.

Barclaycard are only interested in making money from late payment fees and they will sting you whenever they can. The call centre is in India and the staff (if you actually manage to get through are unhelpful, rude, difficult to understand and have great difficulty understanding you. I wont be doing business with them in the future.