Barclaycard Reviews
Feb 27, 2017
Credit card fraud
1 Contributions 0 People Helped

I had this card for 3 years without any problem. I always paid on time and in full monthly. Last month I recieved a letter asking to call their department. I looked online and noticed several groupon charges. I called and informed them of the fraud. Quickly they removed it from my account. However, next month the charges reappeared. I had to talk with three reps until one actually knew what they were talking about. The rep informed me they found the charges to be valid because I had a groupon account. They will not jeopardize their relations with groupon over this. I had to call and speak with groupon directly. I live in LA and the charges were done on the east coast. This card offered credit card fraud protection, but when I actually needed it they forgot about it. I canceled this card because if it happened again, this company will not protect me. This is why I can't be a cardholder. 

more ...
Dec 28, 2016
Random service for excellent customers
4 Contributions 3 People Helped

Balance tranfer offers are subject to how they feel on a given day despite having a 840 FICO and nearly four years of perfect payments with them. They don't even have the decentcy of sending you a letter or caling.

more ...
Jul 28, 2016
They Took A Chance On Me
Top Contributor 20 Contributions 53 People Helped

BK in '13, clean since. CreditOne card, repay perfect. TU 697, CK 693. CK odds 'very good'.

Applied via telephone. Answered all app questions. Put on hold about 1 min, came back with a 2k CL. I'm very pleased. I've been granted a second chance on my credit. Thank you Barclay's for takin' a chance, thank you Credit Karma for having this site with all the wonderful information.

more ...
Feb 10, 2017
Not worth it anymore
2 Contributions 0 People Helped

This card was nice for carrying balance when the APR was 8.25%, but now with almost 13.49% it isn't worth it! You can get card with rewards around that rate. $0 BT fee is nice perk but nothing to get excited about since few cards offer the same already like chase slate. 

more ...
Feb 08, 2017
Good diversification
9 Contributions 30 People Helped

CK says my odds are poor but I was approved with a $1300 limit. I did have to call in for verification though  it wasn't an instant approval  

Barclays can be sensitive so I won't use this card much after the initial $100 reward bonus. 

I have bank cards by Capital One, Synchrony Bank and Merrick. I added this one and want an AMEX and Discover  to round things out. No thank you on Chase and I haven't looked into Citi. 

more ...
Jan 07, 2017
Practically 5.5% effective cash back.
2 Contributions 0 People Helped

Mathematically, for every dollar R =1 we spend, we get R(0.05) = 1(0.05) in cash back; but if we use our cash back--within 120 days--to pay our bill after using our card on, we get an additional 1(0.05)(0.10) = 0.005 back as well. That is, for every dollar R we spend, we get R((0.05) + (0.005)) = 1(0.055) effective dollars in cash back! (However, note that we are ignoring the time-value-of-money and our oppertunity cost-of-capital; e.g., investing our cash back instead.) Hence, overall, this card great as long as is offering the lowest prices in the market--5.5% cash back is hard to beat. Moreoever, this is a great choice for someone who wants a travel card but doesn't want to pay an annual fee. e.g., the Chase Sapphire gives you $625 in rewards, but after amortizing that for 5 years (given its $95 annual fee), you would only have left 625(1.01)^5 - 95 *S angle 5 at 0.01 = $172.29 (assuming you could deposit that into a savings account somewhere). Anyway, luckily for you, my two cents was free.  Note:  "Travel purchases eligible for the 10% Travel Redemption Bonus are defined as: Airlines, Hotels, Motels, . . ., Travel Agencies, Tourist Attractions, Discount Travel Sites, Trains, Buses, Taxis, Limousines, and Ferries. To qualify for the 10% Travel Redemption Bonus, travel purchases must be submitted by merchants using the eligible merchant category codes for purchases in the above categories." But remember, "Purchases at that are not eligible [to earn 5% cash back] include cruise bookings, non-Name Your Own Price® car reservations, and hotel reservations designated as Pay When You StaySM." You're welcome. 

more ...
Dec 22, 2016
Poor Value

This card was OK, but its more points for a trip than say Southwest, yet you only get the base fare covered.  So you still have to pay for your suitcase, seat or any other extra.  If they would make the works avialable with points, I would give it more stars.  Get any other airline card is my advice.  I am hoping to use up my points and dump this card.

more ...
Jul 08, 2016

This is a serious warning....... don't fall for their 50,000 miles scam...... they would give you every reason why they can't grant you the miles even if you spend the minimum required amount and fell short one little thing.
Warning......... do not open an account with Miles & More MasterCard. These guys are the biggest scam ever. Bad customer service. Worst company to ever deal with. Try to stick with Credit Card company that is the USA (they know customer service) based, not a British or whatever other country's credit card companies are................

more ...