Barclays US Credit Cards Reviews

After 3 1/2 hours of trying to purchase a train ticket in Spain online and speaking with six separate customer service representatives at Barclay MC and trying to purchase the ticket four times I finally gave up. During the process of trying to purchase the ticket I was informed Barclay had a mobile app where I could schedule by international travel by using the “Tools”. Since I was on hold with Barclay I thought I would give BarclaysUSCreditCards a try. The reviews did not look encouraging. I awarded a one star rating for a very simple reason. Nowhere on the homepage is there any indication of how to get to the tools menu. Absolutely nothing indicated where or what to click to go to the tools menu. The fifth customer service rep I was transferred to was the web specialist. She had no idea how the mobile app worked and could not help me find the tools menu. She and the previous representative offered to schedule my travel. I understand they will do that for me but if they’re going to have an app that they advertise in anyway whatsoever has the capability, it should work. I gave up trying to make the purchase on the Barclay MasterCard.
It’s a mystery to me but why my personal bank Visa card worked without an issue is beyond me. I had my ticket within five minutes after using the visa card and I don’t understand what the difference was. I entered everything the same way.

1. If your card expires, then they will turn off the auto payment “automatically”, but will let you use your card. Eventually, if you don’t check your account every two weeks or so, then you will realize that you are being charged late fees and interest. But the bank wouldn’t inform you.
2. BarclaysUSCreditCards wouldn’t let you sign in until you have your full card number in front of you. So if you are generally trying to check your balance, you cannot unless you first activate the reissued card. So you will continue to pay late fee (“quietly”) but you wouldn’t know.
3. In the end, they will inform the bureau about your delinquency. You will learn about the delinquency when you have your credit alert turned-on. Luckily, I had. But it badly impacted my credit, right before I was about to apply for home loan.
4. After calling, they admitted the technical issue and waived the interest but dost waive the fee. They didn’t communicate to the bureau either. So now I have to carry the burden of their malpractices and poor app interface until my credit score comes back.
5. If you login, you will realize how poorly designed app this is. A college graduate can make a better app than this!

Shady with fee charging and not letting you log in. I can log in with app completely fine but to change the bank account connected I have to use online website. I log in on my laptop and they say my user or password is wrong even though i checked it on my phone app and it works. Asked me for my social and phone number or my bday and my social and kept saying that info was incorrect. How tf do i get my social or phone number of birthday wrong? Then they lock your account with no choice but to call customer service and this happens literally every time I try to log into the website. Just add the option to change my payment option on BarclaysUSCreditCards already because you’re charging me interest fees for not paying the last month yet the bank account I have connected to this isn’t even active any more. PLUS their customer service is only available monday-Friday til 8pm so good luck reaching them if you work two jobs full day. Been weeks and they lock my account every time I try to log in. Terrible app without being able to change payment option and terrible website with bad verification locking

This is the only card I’ve had over the past 22 years that randomly lowered my credit line (excellent credit) by $10,000 without a single late payment since owning the card for 2 years. Worst yet is this was done with no warning or notice. None whatsoever. I’ve read some complaints online about this but I figured it was happening with people that were late a lot, had bad credit, bad debt to income ratios, etc. I never thought it would happen to me but they lowered my credit line twice with no notice. The second time it was lowered to just barely above what my balance was on a business trip. Now imagine that you have to book a flight back home, go to pay but it’s declined due to your credit limit being lowered to just a few dollars above your current balance. That’s how shady this company is. If you’ve downloaded BarclaysUSCreditCards then you’ve already gotten the card so all I can recommend is keep a very close eye on this companies management of your credit and identity and cancel the card as soon as possible at a time that’s least impactful on your credit. If you don’t, I can confidently say that you’ll wish you had at some point.

BarclaysUSCreditCards auto-upgraded on my iPhone from Version 6.25.7 to 6.25.8, which boasts “Minor app improvements”, but the actual effect of the change was that BarclaysUSCreditCards no longer works. Specifically, it attempts to load, then disappears, crashes. I can see the Peek features (long-hold on App icon), so I know BarclaysUSCreditCards has my correct information. I uninstalled BarclaysUSCreditCards , rebooted iPhone (iOS 13.5.1, which is up-to-date, lest someone claim it’s an iPhone issue), then reinstalled BarclaysUSCreditCards , to no avail.

Ok. I get it: an App update didn’t go as planned! I know: let me submit a ticket to report the issue, and hopefully revert to older version of working App. Ah, those are not things BarclaysUSCreditCards Developers or this bank value, apparently: BarclaysUSCreditCards Support link in BarclaysUSCreditCards Store takes you to the Barclays US website, which is lovely, except for the whole “missing the point about support” part. To be sure: the website has no mechanism to report App issues either. Hence my 1 star rating. An App should not take this much time from its users. It should work, allow for simple downgrades, and simpler means yo report issues.

In general, I find this to be a pretty good app. My only issue with it, and the reason that I gave it four instead of five stars, is that when you pay your credit card, the current balance is not an option that you can select. So I pay my credit card multiple times per month to avoid debt. However, to pay my current balance, as opposed to the statement balance or the minimum payment, which are the only pre-filled options, I have to remember the balance and type it in in the other amount field. I know that it may seem weird that somebody would pay their balance off before it was due, but if I do this, I’m probably not the only one. All my other credit cards offer a choice to pay the current balance, where the current balance is already filled in. It would be great if you could add this feature, as it would save a lot of time and hassle.

I must agree with the one ⭐️ reviews. I just put in my password 3 days ago. I opened BarclaysUSCreditCards and I did the Touch ID. Then it asked for my password again!!!! Really????

Also there are no push notifications when using the card. I've signed up for everything. Sometimes, not always, I'll get an email message a day or so later of a charge. So let me get this straight. You pester me with endless passwords and questions to use BarclaysUSCreditCards , but you won't give me the info so I can see if there's actual fraud going on??? My wife buys gas, charges things and nothing ever comes across. I might as well turn off the notification. Other cards are instant. Pretty simple. I'm actively looking for a better card now. I've waited a year for these guys to clear up their nonsense but it's futile. It's easier to just move on. I originally got this card because they said it was a true chip and PIN card outside the US. Not! Every time it spits out a receipt to sign. So outside the US where they don't check the signature, there's no security. You lose the card, they'll be on a spending spree.

Or so I thought...over the last three months I’ve attempted to pay my balance on BarclaysUSCreditCards each time I have received an error message that either tells me that I can’t pay more that the balance due (when I am selecting “pay balance due” or the other error that tells me something isn’t working now, please try again later. Each tome I have had to call customer service for help (so much for the convenience of mobile). The first month I was told that a) my payment was received - which meant that the payment I submitted through BarclaysUSCreditCards actually went through even though I got an error msg and b) I was told there were some problems with BarclaysUSCreditCards “right now” so just use the web. The second month - same exact story. Third month, today, after scheduling a payment last Friday but getting an error msg and trying it again 2x today, i again looked at BarclaysUSCreditCards to see that I had 3 payments (totaling 3x my balance!) pending. I called and customer service, they adjusted my payments and told me to delete and reinstall BarclaysUSCreditCards , or just use a desktop...ugh!

Ok, BarclaysUSCreditCards is far from perfect, but if you:
a) have a decent limit
b) don’t max out your card regularly
c) pay on time OR contact them before any missed payments

It does everything needed, and a different FICO score than my BoA app which is useful. Since main complaints seem to be about the card.. Idk what people have, but without perfect credit I got a 9.08% APR. Perhaps you have a rewards card if yours is much higher? This alone makes Barclays worthwhile.

If you miss payments or even stay maxed, yes, they’ll reduce your limit. If you want idiotic lenders, then deal with higher APRs. There’s a trade off. People seem to think Barclay can’t move your credit as they want - mine has been raised, lowered, and raised at their discretion, and any request for a raise was denied barring my first one. I quickly saw they like to see 50% or less revolving balance. That’s reasonable. If you can’t keep that up, you’re spending yourself into debt you can’t get out of, and they see it coming. They’re reducing their liability by reducing your limit. Use it wisely and it will only ever be raised.

With 20% + being normal, idk how anyone can complain. Also, yes there’s a payment turnaround for available funds.. it’s their money after all, I’m borrowing it, seems reasonable unless they have a bigger relationship with me (not my main bank so I don’t expect it).

Call center is in India. Zero help whatsoever!! Hung up on me after I yelled at them, I was supposed to be enrolled in auto payments, they never set it up. Weird how when I went into BarclaysUSCreditCards to set up auto pay myself after that conversation where they hung up on me, my checking account info was in there already, how did they get my checking and routing info... weird! I was sending additional amount every month to pay principal down, that amount just so happened to be above my minimum payment but when minimum payment went up, the additional amount I was sending in didn’t cover the minimum anymore. 30 day late on my credit. This is the 2nd 30 day late I’ve ever had in my life, guess who my 1st 30 day late was with? This same company! Lol. The reason I set up the auto pay. Granted that one was my fault. I had a balance of like 15k, I calculated what I needed to pay card off in 12 months. Was sending in that amount every month. I miscalculated by $20... 30 day late. F this company!!!!

I prefer using BarclaysUSCreditCards over the website. The website forces me to log in twice as the website just hangs on my first login, then I have to refresh and login again. That needs to be fixed but this review is supposed to be for BarclaysUSCreditCards so I gave it 4 stars because I can easily manage both my Barclay cards and logging in with FaceID works great. The only issue currently is since updating to iOS 14 when opening BarclaysUSCreditCards it says I have a jailbroken device which from seeing other recent reviews I’m not the only one experiencing that error message. I just ignored the message and logged in with FaceID but it is concerning if BarclaysUSCreditCards believes my device is not running what BarclaysUSCreditCards believes it should be and might be making BarclaysUSCreditCards less secure. Looking forward to an update hopefully soon.

Avoid frustration and wasted time. DO NOT GIVE THIS BANK YOUR BUSINESS. I used this bank to finance my computer purchase and carefully tracked my payments to pay the card in full before interest free period ended, so that I wouldn’t be charged full interest for missing a payment. Even though BarclaysUSCreditCards is underwhelming, I still expected it to reflect an accurate account balance. Even that was too much to expect! I thought I had payed off my card and even payed extra after forgetting to discontinue the automatic payments. I made a couple of purchases to redeem the money I overpaid. Long story short, after hours on the phone with their substandard customer service reps, we find that BarclaysUSCreditCards had inaccurately reflected my account balance but I am still expected to pay the remaining balance. If you’re looking for transparency in your financial records and the support of a good team of customer service representatives, BarclaysUSCreditCards and bank is not for you...

BarclaysUSCreditCards , like many other apps with sensitive information, periodically logs you out and disables Touch ID requiring you to put your password in again for security purposes. That’s all well and good, however many people now use password managers to keep up with their passwords and therefore it is nearly impossible to type out this password. Copy paste would be the solution here...if it worked. BarclaysUSCreditCards recently broke the paste functionality so I cannot paste my password into BarclaysUSCreditCards . Oh, so just swap back and forth between your password manager app and the Barclay app typing in 4 letters at a time that you read and memorize. That would technically work too...if the Barclay app didn’t reset your typed characters each time you changed what app you have active. BarclaysUSCreditCards is pretty bad for multiple reasons but it was at least somewhat functional. As of now it is LITERALLY unusable for me without having a way to login.

I have to echo many of the others’ comments, hoping the volume of like comments will eventually motivate you to actually listen to your app consumers and implement features that are pretty much standard for banking and credit card apps these days —
1. Able to schedule a payment for a pre-populated current (not statement) balance. I can’t stand balances on my cards so tend to pay as soon as they get put on balance.
2. Push notifications of user-selectable transactions (not just/only email)
3. FICO scores. Update them regularly (monthly) or drop the service. Sometimes it goes three months without an update. (And there are lots of FICO scores. Could you say which one you’re actually reporting?
So, you lose three stars - one because your not up to the standards of other like apps (citi, cap1, discover) and two more because you’ve had these issues and these comments from day 1 and haven’t been responsive.

First of all, BarclaysUSCreditCards is clunky, slow, and hard to look at.
Second, Barclaycard failed to make it clear that auto-pay takes a billing cycle or so to actually get going (why? Nobody could tell me), which it mentions in tiny print on the last page of setting it up. So off I go, thinking I’m being a responsible customer who doesn’t have to think about manually making payments every month (oh, and on the front page of my account is a big banner that says “ENROLLED IN REPEAT PAYMENTS”). They don’t even attempt to contact me to inform of a missed payment or late fee. I just happen to go online to check something and see that I have a missed payment alert. Ridiculous. And when I called in to fix it, the agent wasn’t sure if my auto-pay would be “ready” for next month, so I should call in and confirm. Absolutely outrageous. Be very cautious when setting up your convenient, responsible auto-pay - Barclaycard might not be able to ha handle it.

The Uber Card is good, no complaints. But BarclaysUSCreditCards is so unhelpful. If you make less than the minimum payment, it says “X is less than the minimum” rather than telling you what is remaining. I make several payments per month, so it would help to know what I owe in order to cover. The payment system is the worst I’ve seen. You have to select every possible option (amount, payment date, payment account etc.) Why do I have to select “pay today” when I’m making a payment, just assume I want to and otherwise I’ll specify. And let me choose a default account so you don’t have to have me choose it every time, I’ll specify if I want to change it. There is also no spending summary, where I spent my money by category and what % of credit I’m using etc.. The Chase app gives a credit tracker allows you to do almost anything you could get accomplished in the bank. It’s seriously so behind the times.

I was wary after seeing all the 1 star reviews but BarclaysUSCreditCards works great for me! I can see my recent transactions and current balance on the main screen. There’s an option to lock the card there as well. The login process is easy, it does face id as i open BarclaysUSCreditCards and has a nice animation saying good morning/afternoon/evening. I havent had any issue with having to enter a password or security questions multiple times like other users have said. Knocked one star because it isn’t super easy to see all your previous transaction history. There’s usually maintenance and i can’t login if i try to login around 7am EST but that’s understandable, BarclaysUSCreditCards always works if i try it a couple hours later. Overall, good app, does it’s job.

Second card I received to rebuild my credit after they bought the original card company I was with - Orchard Bank. I was rewarded on a regular basis for my on-time payments and wise use of credit line. They have increased my credit limit a few times in the last 5 years and at times the extra support cushion has been necessary. I love that I can track my credit score and they help you see how you can improve your credit as well. So far a great company and excellent card. Thank you for taking a chance on me those years ago and helping me get back to my 730 score!

I have the Barclay Uber VISA card, I’ve had transactions declined at major retailers like CVS and Walmart, when I called customer service they have no record of an authorization attempt, there is also no security hold on my card, I have my Barclays card also tied to my Apple wallet so I was able to complete the transaction using the card reader via my iPhone, so the Barclays network is working, but the card machines can’t read the chip when I physically insert the card into the machine, so it’s either a cheap chip or an issue with the hardware at CVS and Walmart which is unlikely since everyone else is able to use their credit cards, so must be a Barclays issue, frustrating to have a credit card that only works some of the times, I’ve already had my card replaced twice this year and the issue is still recurring, most of the time the card works but not always, never had this issue with my Chase or Amex cards

BarclaysUSCreditCards needs to be real time. I pay my bill or make a purchase and it can take up to two days for either of those transactions to show up in BarclaysUSCreditCards . It makes deciphering your actual balance impossible. I actually saw a negative number show up as my balance as my charges hadn’t as yet caught up with the payments. And because of the built in restrictions you can’t pay when you have a positive balance even though BarclaysUSCreditCards shows you pending charges coming in but not yet applied. The payments form will still show you an amount you can pay, but it won’t let you pay it.

They need to fix this. If I can get an email instantly indicating that I’ve setup a payment, they can show the payment as pending immediately, not two days later - linger if you make it on a Friday after 3PM EST.

The same is true for changes. Show them pending immediately and subtract them from the balance unless something subsequently goes wrong. You can always reverse it.

If Starbucks can finally make their app payments and charges instantaneous, so can Barclays.

Thank goodness you have extremely patient and kind representatives to talk us off the ledge when confronted with the shortcomings of BarclaysUSCreditCards .

You might have another revenue stream as a call-in therapy help center. ;)

BarclaysUSCreditCards needs a lot of improvement. The UI could have been designed by a 5 year old. It's stuck in the minor leagues... while the other banks are playing in the major leagues.
I am thankful that it is fully accessible to the blind. Easy to navigate, but not feature enriched.
Many people are complaining about the login, and I get the frustration. Although, I haven't had any issues with TouchID with my iPhone 8. It has worked every time I've logged in. I've not been asked to constantly reaffirm credentials.
Barclays... Please improve on BarclaysUSCreditCards. I'm pleased with my customer service. User experience with website and app, not so much.
The biggest security issues... Where are my notifications? It doesn’t protect me after the fact. Notifications should occur at point of activity, not when sale posts.

BarclaysUSCreditCards is slow in terms of transactions for instance let’s say I make a purchase and it cost 50 dollars, it will take like a few days like 5 days before I can pay it off. Why?? It doesn’t need to be this way, my Bank of America app lets me pay off my balance immediately after I make a purchase or at least like a day or two TOPS. It seems like to reason for this is to get people to unknowingly rack up a bill higher than they can pay off so that they end up paying the high interest. It’s shady. The only reason I have not cancelled this card yet is because I want to use Hawaiian miles card but guess what? Southwest is in Hawaii now, so I think I’m gonna just get a credit card with them now. Your reign is over. Make some changes to your set up or you’re gonna lose a lot of customers in Hawaii. You have some really bad reviews, think it’s time you make some changes.

I use a password manager. BarclaysUSCreditCards occasionally disables Touch ID and requires you to enter your password manually. But it’s not possible to paste a password in the field in the Barclay app after copying from the password manager. And to add to the frustration, BarclaysUSCreditCards clears any text you enter if you try to view any other apps by double tapping the home button. So now when I have to log in, I either have to write my password down on a piece of paper, or if I’m out and about I get my girlfriend to type it into her phone so I can copy. That totally negates whatever security measures Barclay is seemingly trying to employ by disabling copy/paste. It’s been a while since I’ve had such a bad user experience with an app, and I’m an app developer so I come across a lot of bad UI/UX.

I locked my card after I paid my card off so I wouldn’t have any problems with someone using and getting my card number. So I go and try to unlock from BarclaysUSCreditCards so I can make a purchase, and it won’t unlock. Try to do it over the phone and that didn’t work either. I call customer service to unlock my card and they can’t do it with either. Then they send me to someone so they can help and they are talking about they are doing maintenance services at the time so it can’t be unlocked. I said the other rep never said anything about this as long as I’ve been on the phone. I asked since when because I haven’t been notified? Did you send out a notification? The lady says no ma’am I’m sorry! So how the hell are you doing maintenance without notifying your customers? I am sooo done with these people. I always have problems with them and at this point I’m done!!!

Nine out of ten times I try to open BarclaysUSCreditCards, it can’t log on. And then when I’m finally on, the basic functions of BarclaysUSCreditCards will inevitably be so slow that they time out. I’ll be on WiFi, great connectivity, every other app on my phone works just fine - and yet mysteriously, I just get stuck on an endless loading/sign in screen every time. This is not a review of the banking, which has been fine, just this horrendous app that has constant, mysterious, pathetic connectivity problems that have never been improved from update to update. I love having to sign in 10 times over 20 minutes to finally get it to stay working long enough to pay my credit card. (Literally the only thing I use BarclaysUSCreditCards for is paying my credit card - do they not want me to be able to quickly and easily give them my money??)

Overall BarclaysUSCreditCards is quite useful. I do all my banking on it and rarely have found a reason to log onto the main site. I have found that I am able to make payments, view balances, schedule travel notifications and even lock the card if I misplace it. I have read all the negative one star reviews but it seems those are specific to a credit product offered by Barclay not necessarily BarclaysUSCreditCards itself. BarclaysUSCreditCards is very useful. My only suggestion would be to make it easier to redeem points in app. It’s possible it just takes a few steps and a little patience.