Barclaycard USReviews of banking.barclaysus.com

This is thee worst credit card/bank ever. They continuously lower your credit limit despite making regular & more than the minimum monthly payments, & change the interest rates as well all with no knowledge or even talking or notifying you before doing it. Because of decreasing your credit limit & increasing your interest rates, it takes forever to pay the card off. Haven’t used this card since August, (6 months) & the blonde has gone nowhere lthough it’s being paid in 3 times a month. I wish I had read reviews before I got this card. Hopefully these reviews will help someone not to make the mistake of getting this card. I had to give 1 star because you can’t give 0 stars.

They took over gm credit cards from Marcus. Somewhere my account got lost. Talked to Marcus they told me it was sent over. Barclays is blaming everyone else for the problem. They finally told me it was sent to a collection agency with a 0 balance. Collection agency told me Barclays sent it there. Barclays tells me Marcus did. They won't take responsibility and are just horrible to work with. NEVER DO BUSINESS WITH THEM UNLESS YOU WANT ISSUES

After months of trying to get me to go to paperless billing for my account (Banana Republic, GAP, etc..) I did just that. March 2025 my wife makes a $72 purchase for clothes using my card without me knowing. Fast forward to December 2025 and I get a bill from a debt collector saying I owe $400+ for delinquency to pay off this debt unbeknownst to me. My credit line from my bank also goes on freeze for have a delinquent credit account. After verifying the $72 in charges I go back and don't have a single notification from Barclay US about the amount owed. No April statement, no May, June, July, Aug, Sep, Oct Nov or Dec. No notification of a late fee. Rather waiting 8 months to maximize penalties on a $72 balance to the point I owe $413, have my account suspended, my bank loan suspended and collection agency left to work it out. Customer Service at Barlclay US wouldn't even tell me if/when they had notified me of this outstanding bill either mail, email, phone or other because I was no longer a customer and to deal with collections. Of course it's because they never did notify me. Shame on them and I'll never work with their company or the retailers they represent again. Beware

As with many other reviews, experienced a DECREASE, WITHOUT ANY KNOWLEDGE, NOR CONSENT, of my credit limit. When speaking with Customer Service (if you can call it that) to find out why, the same as others - 'you don't use your limit'. As a 12+ yr customer, who never missed a payment or was ever late, I asked 'if you say I don't use my limit, tell me what the target $$ value you think I should use'. Anyone want to guess the reply, or lack thereof!! Then there's the 'it's a soft credit inquiry, it won't affect your credit'. Well, we all know this is 100% untrue. Spent my accumulated rewards points and fired these CLOWNS.

I was offered a balance transfer and so i applied and asked for $1900 to go to my Kitsap credit union credit card. They sent it to someone at BOA that is not me. After 6 months of repeatedly contacting Barclays many many times. nothing has been done. They continue to say they sent a letter to BOA and that is all we can do. They are horrible to their customers never get a credit card from them they will screw you over and act like its your fault and you need to fix it.

Rude, unhelpful customer service reps. Barely speak English and give you the runaround for even the most basic problems. Would give zero stars if I could.

Worst credit card. If you near the credit limit, They’ll decrease your credit limit every couple of months. Every time they do your credit history gets hit with a low credit score. If you don’t use your credit at all say keep it at 0 balance for may months they’ll intimidate you that they’ll close your account for low or no activity.. wtf. They suck balls. Can’t wait to pay it off and use it to charge $1 every month lol.

Never had a problem until they decided I had too much debt for their liking. Reduced my limit from 10k to 6k with no warning or contact. Pure garbage company that gladly took my high interest payments. Reported me over the limit to reporting agencies for 25 bucks after they reduced it.