Barclaycard Gold Credit Card Review No reviews

Barclaycard Gold credit card overview

With the Barclaycard Cashback you will earn on purchases made with your Barclaycard at the rate of 1% of the amount of the purchase on supermarket and petrol and 0.5% cash back on all other spending unless they tell you otherwise. with Card Protection 30 days FREE offer! Apply online for Card Protection to receive the first 30 days free.

Barclaycard Platinum reserves the right to withdraw this offer at any time. This offer is only available to new customers. You will be required to use a PIN with this credit card in order to pay for goods and services over the counter in shops and other outlets.

Default charges

Late payment fee – £12
Over credit limit fee – £12
Returned payment fee – £12

Barclaycard credit card repayment protection option

They have different levels of cover so you can have the one that is right for you. It’s true that most of us can manage our monthly payments most of the time but what if you unexpectedly lost your job or had an accident? – Well, they can offer you a back-up plan which pays off 10% of your balance each month for up to 12 months if the unexpected happens. – So the last thing you need to worry about is your credit-card repayments. – It could also pay off your whole balance if the worst happened and you died.

(The repayment protection is an additional egg credit card service if required)

Complaints procedure

If you would like to make a complaint about your card, contact Customer Services on 0844 811 9111, or by post Barclaycard, Customer Relations Department, 1234 Pavilion Drive, Northampton, NN4 7SG

However if you are not satisfied with the outcome of your complaint you can write to Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR.

Who can apply for a credit card account

To get an Barclaycard credit card you need to be a UK resident aged 21 or over. We recommend you have your salary, banking and employment address details to hand to avoid any delays in applying for a egg card.

Have a good credit history, have a regular income of more than £10,000 pa. Don’t already have a Barclaycard also haven’t missed multiple payments on a credit agreement within the last 12 months and Don’t have a CCJ, IVA or have not been registered bankrupt.

Make sure you have all the details with you as the application will ask you your personal details, details about your work, what type of card you want and finally confirm the legal, terms and conditions.

What is the minimum payment each month?

The full outstanding balance if it is less than £5, but otherwise the greater of
(1) £5 or
(2) 2.25% of the Revolving Balance

If you only make the minimum payment it will take longer and cost you more to clear your balance.

Here are some of the Barclaycard rewards you can get Identity Protection Service – advice about protecting yourself from identity theft

Safer shopping with Fraud Protection including Chip and PIN and monitoring your account for unusual spending

Purchase Delivery Protection against loss or damage to online, phone or mail orders from despatch to door (second-hand goods and services excluded)

  • Emergency help when travelling abroad
  • Great holiday deals with our Travel Service
  • Emergency cash advance and credit card replacement service
  • Opt in for text alerts five days before your payment is due

Your Right to cancel an Barclaycard platinum card

You have a right to cancel this agreement. This right will expire 14 calendar days after we post the card to you. Unless you cancel within this period you will be bound by this Agreement. If you wish to cancel this Agreement, please send written notice to Barclaycard, Department BCR, Northampton NN4 7SG. If you cancel you will still need to repay any money already lent to you. Unless you repay this money in full within a month of cancellation on all rights, you may be required to pay interest or other charges under the terms of this Agreement. .

The Consumer Credit Act 1974 lays down certain requirements for your protection which should have been complied with when this agreement was made. If they were not, we cannot enforce the agreement without getting a court order.

The Act also gives you a number of rights:

1) You can settle this agreement at any time by giving notice in writing and paying off the amounts you owe under this agreement.

2) If you received unsatisfactory goods or services paid for under this agreement, apart from any bought with a cash loan, you may have a right to sue the supplier, us or both.

3) If the contract is not fulfilled, perhaps because the supplier has gone out of business, you may still be able to sue us.

If you would like to know more about your rights under the Act, contact either your local Trading Standards Department or your nearest Citizens’ Advice Bureau

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