Barclaycard Initial Credit Card Review

Published on 17 August 2010 by Raffick Marday

Barclaycard Initial Credit Card Review

Looking to strengthen your credit rating then get a Barclaycard Initial credit card. This is ideal as a first credit card or an option to increase your credit rating. With Barclaycard you also get contactless payment which is when you do a purchase under £10.00 just wave your card, no more entering your pin for payments under £10.00 at selected retailers.

Barclaycard 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.

Who can apply for this credit card?

To get an Initial Barclaycard credit card you have a good credit history, Are 18 or over, Have a permanent UK address for 3 months or more, Have a regular income of more than £10,000 pa - Have not missed multiple payments on a credit agreement within the last 12 months and no CCJ or have registered for an IVA or have not been registered bankrupt.

The Barclaycard initial credit card online application form takes a five minutes to complete with an easy step by step instructions and as you would expect secure website protection, 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 benefits do you get with your Credit Card?

  • Strengthen your credit rating
  • 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
  • Identity Protection Service - advice about protecting yourself from identity theft
  • Convenient online account management
  • Emergency cash advance and credit card replacement service
  • Opt in for text alerts five days before your payment is due
  • 24 hour helpline

What are the default charges?

  • Late payment fee: £12
  • Over credit limit: £12
  • Returned payment: £12

What is the minimum payment each month?

2.25% or £5, whichever is greater. If you only make the minimum payment it will take longer and cost you more to clear your balance. You can avoid additional charges by staying within your credit limit and ensure that your payments are received on time.

Your right to cancel

You have a right to cancel the Initial Barclaycard Agreement. The right will expire 14 calendar days after Barclaycard post the initial 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, you may be required to pay interest or other charges under the terms of this Agreement.

Where do I make a complaint?

If you would like to make a complaint about your Initial Barclaycard credit card, you can call them on - 0844 811 9111 - 24 hours a day, 7 days a week. Initial Barclaycard have procedures in place which will make sure they handle your complaint fairly and quickly. 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.


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