Anybody else find Barclaycard highly frustrating?

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Bluemountain
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Anybody else find Barclaycard highly frustrating?

Postby Bluemountain » Mon Feb 29, 2016 12:08 pm

Hi Forum. First post here. Hope this is a semi-appropriate place.

I'm wondering how many people have worked with Barclaycard. :( IHave the Apple card with a general limit of 2K. Was hoping for more but now I want to cancel...that's how bad they are. Like Capital One bad.


Anyway here are my grievances with this company:

1. They randomly block the card for minor transaction amounts (200+). I have the app and text alerts but never get a notification. So I can try to spend $215.00 on groceries at Kroger (no MF spend or anything!); the card will decline. I have to call in and go through a public records check NOT even multiple choice like reasonable company). Did this 4 times already. The card is continues to be blocked until I go through the bs. Made the mistake of having only one card in my pocket just once. :beat:

2. The customer service is VERY poor. I don't understand this because they're primarily American based. Generally this should correlate with better customer service but they treat me like a criminal when I call in for minor tasks (questions about my credit). :rant: I'm not expecting the service I get from American Express but ****!!!!


3. Most recently they've requested a copy of my Social Security Card, Driver's License, and Proof of Address. I have NO PROBLEM sending this highly personal information except I don't have a copy of my SS card. I called the Office of The President (heads up...they have NO POWER unlike Amex and other cards) and my lady called the security team and they couldn't even accept a letter from the Social Security Administration confirming my number. So my card will be unusable.

If only I could default without screwing up my credit. Have an $800 balance I'll have to pay off at the end of the month. It's taking every bit of tolerance not to CURSE THEM OUT and CANCEL THIS CARD....man I'm frustrated. Sorry for a negative first post..... Hi!


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Vattené
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Re: Anybody else find Barclaycard highly frustrating?

Postby Vattené » Mon Feb 29, 2016 2:06 pm

Welcome to the forum!

Sorry for all the frustrations they've caused you. I do have a Barclaycard - got the Sallie Mae right before they closed it to new applicants (technically it's my wife's card and I'm just an AU). I haven't had any major problems, but I haven't been thrilled with them either. I use it exclusively for 5% category spending, so they're not making anything off of me.

Really my only problem with them was in trying to get a card for myself as an AU. We set me up as an AU shortly after opening the account, but the card must have gotten lost in the mail. After a couple of months (since we only use the account for category spending not having the second card wasn't enough of an inconvenience to do anything about it earlier) we called to get a replacement card. That was the only time either of us used customer service. The person we got wasn't American and there was a big language barrier, which may or may not have been the reason the whole account was put on hold. We were told the wife's card would work just fine and they would send out a new card (with a different number) to me. That was not the case. Anyway, that was frustrating, but it wasn't an everyday card we used so it wasn't too much of a pain. I've been satisfied enough with them. The Sallie Mae is a great card, but it looks like it may be going away soon. If they offered a great new product I'd be happy to use it and give them more of my spending (and even put up with bad customer service) but with their current offerings that's not a trade-off I even need to consider.

Did you use the card to get the special promotional financing at Apple? Do you think you'll be looking for a new card to replace this one? If so, since the special financing is only good at account opening, you might be better off just getting a generic 1.5% or 2% cash back card.
-Vattené
FICO-8: EX - 827 (5/17) | TU - 824 (5/17)
My Cards: Barclay Arrival+ | Discover it | Amex ED
AU:: Discover Miles | BofA BBR | Barclay Commence (SD'd)

Nixon
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Re: Anybody else find Barclaycard highly frustrating?

Postby Nixon » Mon Feb 29, 2016 2:11 pm

Bluemountain wrote:Hi Forum. First post here. Hope this is a semi-appropriate place.

I'm wondering how many people have worked with Barclaycard. :( IHave the Apple card with a general limit of 2K. Was hoping for more but now I want to cancel...that's how bad they are. Like Capital One bad.


Anyway here are my grievances with this company:

1. They randomly block the card for minor transaction amounts (200+). I have the app and text alerts but never get a notification. So I can try to spend $215.00 on groceries at Kroger (no MF spend or anything!); the card will decline. I have to call in and go through a public records check NOT even multiple choice like reasonable company). Did this 4 times already. The card is continues to be blocked until I go through the bs. Made the mistake of having only one card in my pocket just once. :beat:

2. The customer service is VERY poor. I don't understand this because they're primarily American based. Generally this should correlate with better customer service but they treat me like a criminal when I call in for minor tasks (questions about my credit). :rant: I'm not expecting the service I get from American Express but ****!!!!


3. Most recently they've requested a copy of my Social Security Card, Driver's License, and Proof of Address. I have NO PROBLEM sending this highly personal information except I don't have a copy of my SS card. I called the Office of The President (heads up...they have NO POWER unlike Amex and other cards) and my lady called the security team and they couldn't even accept a letter from the Social Security Administration confirming my number. So my card will be unusable.

If only I could default without screwing up my credit. Have an $800 balance I'll have to pay off at the end of the month. It's taking every bit of tolerance not to CURSE THEM OUT and CANCEL THIS CARD....man I'm frustrated. Sorry for a negative first post..... Hi!


I don't mind em.
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Bluemountain
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Re: Anybody else find Barclaycard highly frustrating?

Postby Bluemountain » Mon Feb 29, 2016 2:42 pm

Vattené wrote:Welcome to the forum!

Sorry for all the frustrations they've caused you. I do have a Barclaycard - got the Sallie Mae right before they closed it to new applicants (technically it's my wife's card and I'm just an AU). I haven't had any major problems, but I haven't been thrilled with them either. I use it exclusively for 5% category spending, so they're not making anything off of me.

Did you use the card to get special financing at Apple? Do you think you'll be looking for a new card to replace this one? If so, since the special financing offer is only good at account opening, you might be better off just getting a generic 1.5% or 2% cash back card.



Hmm.. I usually get Americans but not surprised. I opened the account intending to use the financing offer but instead put the MacBook on a new AmEx (then paid) to meet a quick minimum spend and get those miles.

I was hoping Barclays would be my "go-to" pay off card. Not necessarily for benefits since they're not that great but it's nice to have a card for general spending that's not Capital One.

It is possible that they hate me at the moment since it's a new account but I've only charged $800 for stuff I'd normally use my debit card for. When I pay that off, it's getting cut up and they can keep their 2K limit. Glad to hear you're satisfied with them however.

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Re: Anybody else find Barclaycard highly frustrating?

Postby Vattené » Mon Feb 29, 2016 5:41 pm

I'm definitely more satisfied with my Amex and my Discover. But for a card that sees little spending and yields a 5% cash return on rewards, I'm willing to put up with mediocre service.

Is that Amex in an introductory 0% offer, causing you to use it for carrying balances on select purchases? Just curious why it isn't your "go-to" everyday card. Not that it's any of my business - you should certainly handle your finances however you see fit - it's just a lot of us around here put all spending through credit cards (and pay in full to avoid interest charges) for the rewards.
-Vattené
FICO-8: EX - 827 (5/17) | TU - 824 (5/17)
My Cards: Barclay Arrival+ | Discover it | Amex ED
AU:: Discover Miles | BofA BBR | Barclay Commence (SD'd)

Bluemountain
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Re: Anybody else find Barclaycard highly frustrating?

Postby Bluemountain » Mon Feb 29, 2016 9:20 pm

Vattené wrote:I'm definitely more satisfied with my Amex and my Discover. But for a card that sees little spending and yields a 5% cash return on rewards, I'm willing to put up with mediocre service.

Is that Amex in an introductory 0% offer, causing you to use it for carrying balances on select purchases? Just curious why it isn't your "go-to" everyday card. Not that it's any of my business - you should certainly handle your finances however you see fit - it's just a lot of us around here put all spending through credit cards (and pay in full to avoid interest charges) for the rewards.



Great questions. Thanks for asking.

No, there's no 0% introductory offer on this SkyMiles Amex I can think of (could be wrong,) just 35K or so miles after charging an easy 1k (Finished today :lift: . ) Amex could be my go-to, but I usually don't charge small purchases out of habit. Since I was a kid my parents were always sooooooo anti-credit. For someone used to paying with cash/debit for everything the rewards are new to me. Will probably get a charge card if I can find one with a good intro. My credit is good atm barring inquiries.

And Barclay's will be sidelined. :)
Cards opened in the last six months:
AMEX Gold Delta Skymiles - $2,000
Capital One Quicksilver $300 ($500 in 4 months)
Capital One Platinum $500 ($750 in 5 months)
Barclaycard $2,000
PayPal Credit (doesn't report) $600
Citi Double Cashback: $ 1200
18 years old. 640 FICO (AAoC & Inq's)

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Vattené
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Re: Anybody else find Barclaycard highly frustrating?

Postby Vattené » Tue Mar 01, 2016 8:46 am

I get that. At 18, it's wise not to jump too deeply into the credit world. It is easy to get into a lot of trouble fast. My parents are the same way, and their attitudes helped me avoid getting into any trouble. They still aren't comfortable using credit though (they pay cash whenever they buy a new car - a place I would like to get to...hopefully after I finance my next car). I used to use debit for everything before slowly easing into credit. You've got accounts established, so your credit history is starting to grow. Putting every pack of gum on a credit card won't do anything to build your credit, and establishing a strong habit of paying everything in full is much more important that worrying about rewards.
-Vattené
FICO-8: EX - 827 (5/17) | TU - 824 (5/17)
My Cards: Barclay Arrival+ | Discover it | Amex ED
AU:: Discover Miles | BofA BBR | Barclay Commence (SD'd)

takeshi
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Re: Anybody else find Barclaycard highly frustrating?

Postby takeshi » Tue Mar 01, 2016 9:45 am

For any creditor there are those that find the creditor frustrating and those that do not.

I've never had issues like your with Barclaycard. That said, you have to do what works for you which is why the experiences of others doesn't matter.

Bluemountain wrote:The customer service is VERY poor. I don't understand this because they're primarily American based. Generally this should correlate with better customer service but they treat me like a criminal when I call in for minor tasks (questions about my credit). :rant: I'm not expecting the service I get from American Express but ****!!!!

Don't rely on such generalizations. CS with AmEx can vary depending on product and AmEx has overseas call centers. US based call centers do not guarantee good service as you've experienced. I deal with plenty of companies with US call centers that have terrible CS.

Bluemountain wrote:If only I could default without screwing up my credit. Have an $800 balance I'll have to pay off at the end of the month. It's taking every bit of tolerance not to CURSE THEM OUT and CANCEL THIS CARD....man I'm frustrated. Sorry for a negative first post..... Hi!

If it doesn't work for you then pay it off and close it. Why are you sticking with it? What benefit do you get that makes it worth what you're ranting about?

Nixon
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Re: Anybody else find Barclaycard highly frustrating?

Postby Nixon » Tue Mar 01, 2016 11:23 am

Might as well close all your cards and use single dollar bills to pay for everything with that list of grievances.

Creditors aren't here to serve you. They're here to serve themselves.
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Bluemountain
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Re: Anybody else find Barclaycard highly frustrating?

Postby Bluemountain » Wed Mar 02, 2016 12:57 am

Nixon wrote:Might as well close all your cards and use single dollar bills to pay for everything with that list of grievances.

Creditors aren't here to serve you. They're here to serve themselves.



Truest words I've heard all week.
Cards opened in the last six months:
AMEX Gold Delta Skymiles - $2,000
Capital One Quicksilver $300 ($500 in 4 months)
Capital One Platinum $500 ($750 in 5 months)
Barclaycard $2,000
PayPal Credit (doesn't report) $600
Citi Double Cashback: $ 1200
18 years old. 640 FICO (AAoC & Inq's)



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