Barclaycard USReviews of banking.barclaysus.com

Most useless customer service

Trying to work with these people over the phone is more than just frustrating. I found myself getting angry. My solution was to cut the card and throw it away.

If I could give Barclays no stars I would! This is by far the WORST credit card company I've had the displeasure of dealing with. Every 6 months they lower your credit limit and make you consent to credit pull to have it reinstated to the original credit limit. They also slam the primary cardholder's card with unauthorized FRAUDULENT charges disputed by the authorized user for a profit instead of rejecting it. I do NOT recommend getting this card and I'm a customer with excellent credit. I will be closing this ratchet account!

In 2025, Barclays suddenly decreased my credit limit from $6,600 to $250, citing one 2-day delinquency in my 14 years with Barclays. This is despite my excellent credit history and explaining I was in the hospital for four weeks for emergent brain surgery! Barclays has been having financial issues recently with branches closing and losses tied to the collapse of major business partners. In addition to cutting my credit limit, they no longer tier match with Caesars Rewards. Due to the loss of earning benefits and unusable credit limit, I'm cutting my ties with Barclays.

Was good until I had a zero balance. The following month they charged me $20.03 in finance charges. When I called the rep told me it was a charge that was legit for the previous month even though I had no balance. BAD BUSINESS PRACTICE!

This company is horrible. Make all payments on time and they will still lower your available credit line without notice. Also, they will close the account if you don't use it as often as they like and hurt your credit. They will say because of lack of use and try and add that it's also because of high use reported on your credit which is false. DO NOT GET A BARCLAY CARD!!

I've been with Barclay for over 20 years, but today was the last straw. I pay my balance in full every month and have never paid a penny of interest to this company. My credit rating is immaculate. So last night I was in Home Depot and decided to buy a new refrigerator. My card was denied. Four times. They said my account had a restriction on it for a single purchase. I've bought airline tickets before totaling over $3000 and it went through fine. I left HD without my fridge. Today I call and they send me verification codes to my email. I'm reading them to the guy on the phone and he said they aren't correct. After three times, they brick my account. They request three things: copy of my driver's license, copy of my social security card, and copy of a local utility bill showing my address. I hit the roof. I said "Gee, why don't I just send you a pint of my blood and the keys to my house also?" She said she would send her info to a trusted merchant, and I said "BINGO, you are not a merchant I trust ". Too much bad water under the bridge and been hung up on too many times . I told her she wasn't very smart and said cancel my account right then. She had a smirky attitude with me but finally got my account cancelled. Horrible company,--- they treat YOU like the bad guy and customer service is pulp. Only company worse than this is Comcast.

Don't even deserve 1 star. The most deceitful, dishonest of companies I have ever dealt with. They have treated me like a criminal despite having provided every piece of verifiable document imaginable with exception to my own blood. One day they state I'm verified and the next day, they lock the account. Don't ever open a card with this company, you will only age 5 years and regret it!