Barclaycard Financing Visa® Card Reviews

Approval Odds

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2.4 out of 5 stars
14 Reviews

From Cardholders in the last year

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ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL

Application Process

4 out of 5 stars

Customer Service

3.5 out of 5 stars

2.5 5
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Most Helpful Positive Review

Jan 24, 2017
Approval odd HUH???
titliest72 Cardholder

I was denied when my score was 720+ but approved when my score was 608 at the time. That still baffels me. Anyhow, this is a great card for those Apple purchases with great 0% interest financing. Same as any other card though, be sure you pay off full before finance period ends. You can use the card anywhere, but I only use it for Apple account and Apple gifts. Good card to have. Cannot complain. Have yet to use the apple reward points yet so I cannot comment on it.

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Most Helpful Negative Review

Jun 11, 2017
Playing games with your credit
Anonymous Cardholder

Got this card to finance a new MacBook. I have been making on time payments larger than minimums, never used the card again and finally brought the utilization down below 40% The card company suddenly decided to lower my credit limit to $100 above the current balance which inflated my utilization and caused my credit score to drop by 20 points. Avoid this card.

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These reviews were written by current and former cardholders in the last year.

Jan 24, 2017
Approval odd HUH???
titliest72 Cardholder

I was denied when my score was 720+ but approved when my score was 608 at the time. That still baffels me. Anyhow, this is a great card for those Apple purchases with great 0% interest financing. Same as any other card though, be sure you pay off full before finance period ends. You can use the card anywhere, but I only use it for Apple account and Apple gifts. Good card to have. Cannot complain. Have yet to use the apple reward points yet so I cannot comment on it.

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1 Reply
Jan 25, 2017

Also forgot to add that you are asked your initial purchase amount. Never input the real amount, always input a lot more than you intend on spending to keep your debt to income down. Ex. If you want a iPod and spend 500, then input 2,500 so your around 20% use of credit. This may screw you if you want a 5K decked out PC because you would have to input over 20K which you are sure to be denied. So always take into consideration the debt to income ratio and your initial purchase amount.

 
Jan 03, 2017
Surprising approval
cwinters90 Cardholder

I was on Apple's website drooling over an iPad a few weeks ago, and saw that they offered up to 18 months interest free financing; I initally decided against it, but checked CK and had a 643 & 644, FICO 626, so decided to throw caution to the wind and apply. Boy, was I surprised! Instant approval for $2,000 (my household income is relatively high - I think that's the only reason I got that much to start); this is extra sweet because I was just denied by Chase for the Best Buy store card. A friend (and apple fanatic) opened this card several years ago and said it began at around $500 and is currently at $6,000; he also called within a year and lowered the interest, which I am hoping to do because right now they offer as low as 13.99% but mine is 23.72%, which is fine because I plan on ONLY using it to buy things interest-free at Apple. I love that I get triple points on iTunes, App Store, and Apple's stores and website, and double points for dining out. Even had to speak with customer service the other day, and it was just so smooth! Overall very happy! 

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Dec 17, 2016
its only good to buy apple devices
Anonymous Cardholder

if you must buy an iphone or tablet or laptop from apple,  barclays has delayed interest for 12 to 18 mos and allows you to buy electronics with no interest,  but once it hits if you miss it,  its brutal.   

you must be careful that you dont go beyond the limit and spread your payments to finish on time.   my interest was so high 27% that I had to close within one month from my 18mos.  cant afford that card.  

I dont recommend it as a card to do business with.   they need to do a better job of reminding the card holder of schedule and terms.  

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Dec 08, 2016
BEWARE!!
kiefer1973 Cardholder

I have had the card for exactly one year this month. NEVER late, NEVER missed a payment. Paid balance in full on two occasions. Made payments for more than the minimum. Today, they closed my account because my credit score dropped because I financed a second vehicle. The drop in score is temporary. What a HORRIFIC company. I made a promise that I would spend every day of my life warning people about them and I intend to keep my promise. They are not helping your credit, they are destroying it. You have been warned....good luck if you go through with it.

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Barclaycard Financing Visa® Card