Click Here for Barclaycard.co.uk

Barclaycard Description

Barclaycard is the UKs favourite credit card. Customers can choose from our most
popular Classic Barclaycard; prestigious Platinum and Gold Barclaycard;
specialist Student and Graduate Barclaycard; and Premiership Barclaycard -
for all those football fans out there! Whats more, many fantastic benefits come
as standard with Barclaycard. Nectar, Extended Warranty, Price Promise and
Purchase Cover are just a few and are absolutely FREE!

Barclaycard - Latest Promotions

Transfer your balance to 6.9% APR and great card benefits

FREE Extended Warranty on most
household appliances with Barclaycard

Barclaycard Reviews

I have always been very satisfied with the service provided by Barclaycard. It is
possible to obtain lower interest rates from other credit card companies, but watch
out, because some of them don't give you any interest-free period; with Barclaycard
(as with many others I should add) it can be up to 56 days. In addition, Barclaycard
run a seemingly endless promotion to transfer debts to them for 5.99% p.a. for the
entire life of that debt. Some may meet that, but very few could beat it, being lower
than the Bank of England base interest rate. One nice touch about this was that,
when you transferred the debt to settle another credit card, the debt would effectively
be interest-free that month. However, to close a loop-hole which I know some
people were using to make a daisy-chain of interest-free debt swapping (as if I
would..?) Barclaycard do now charge interest from the date of transfer -
so, if you'd heard this tip, it is now out of date.

In addition, Barclaycard don't charge for late payments, reminder letters etc,
whereas many other credit card providers do charge for these. The charges will
be in the Terms and Conditions, but often you may either not read condition
23.3.4 of the Consumer Credit agreement (having of course lasted out until 23.3.3),
or just think, 'well, I'll get the cheque in on time.' But it is a recipe for inconvenience
(say you're ill when the bill needs to be paid, or you just forget it), and a £20 charge
can quickly wipe out any slightly lower interest rate advantage. Also, credit card
companies inevitably may make mistakes, e.g. crediting your account late. It's a
pain to phone up and write repeatedly to retrieve your £20 (as I've had to do with
MBNA in the past), whereas any problem with Barclaycard (and I've had none in the
ten years or so I've been borrowing off them) wouldn't really matter (although you
ought to phone to correct any mistakes, because an error might have an adverse
credit-rating effect).

What has really impressed me recently about Barclaycard is their whole-hearted
adoption of internet banking. None of this 'we'll send your ID through the post'
nonsense. You really can be viewing recent transactions and paying off your bill
(just enter SWITCH details) within 5 minutes of the first time you log on. To identify
you, they sensibly use the fact that the credit card has a unique number, and even
more sensibly the fact that they can use information on the last posted statement
to securely identify you. They also explain what options you need to switch on and
off on your Browser, and exactly how to do it. No head-scratching and random
clicking of cookie-options required.

No-one likes being in debt, but if you need to borrow occasionally, have a debt for
which you wouldn't mind a low interest home, or just want a hassle-free credit card
with good service, I recommend Barclaycard.

Blue Bishop UK is an affiliate of Barclaycard.