Barclaycard USAnmeldelser 

Terrible customer service. Offshore service center with little but a script to work with. Cancelled my card after Barclays bought it

UPDATE on May 19, 2026:
My third dispute was denied. As always, nothing was ever sent to me in terms of why it was denied. Only thru CFPB intervention, I learned why it was denied. Ready?
"We were not provided with detailed description of what you were to receive." - this about a Starbucks transaction for $10.56 from overseas where they fleeced me by charging a currency conversion fee (I only wanted a refund of currency conversion charge).

Barclays: listen up, they were supposed to deliver a business class ticket, NYC-Singapore. Starbucks is also selling hotel rooms and vacation rentals.

Barclays is the most stupid company ever. Goodbye Barclays. Go back to UK.

They wanted me to tell them what
UPDATE on March 25, 2026:
I can finally confirm that this company has really gone BAD. This must have to do with the change of their President and Chairman. Now, their entire focus is on denying disputes left and right. They have found a novel way to do this.
(1) All communications I receive from Barclays are by electronic means and could be reviewed online. Examples: Credit Card Statements, Account Statements, Payments, even Confirmation of Opening a Dispute.
(2) However, Denial of Dispute Letter, along with reasons thereof, is sent by snail mail. WHY? They are doing this knowing that snail mail can get lost and thus disputes are closed, people don’t follow up, and Barclays don’t have to stand up for its customers.

ORIGINAL:
For a long time, this company was a Gold Standard for Credit Cards: Great Customer Service, Focus on eliminating Fraud, no Foreign Transaction Fees, etc. But now I have to sadly say that it is declining and going to dogs. See my AGODA review below. I filed a dispute about the non-existent property for which Agoda had billed me. Without any investigation, Barclay denied the charge back. I am quite disappointed in you, Barclays. I hope you will not force me to start looking for a better credit card provider. Please get your s*** together.

As a credit card user of 20 years with an >800 credit score, I can confidently say this is the WORST credit card customer service I have ever encountered. They stole 32.49 from me, and refused to refund it despite repeated attempts to contact them. They closed my account due to inactivity while I was having major healthcare issues and did not have the ability to access my account.

Been a jetblue plus cardholder for years. I've done several balance transfers on the card where I would receive the funds directly deposited into my checking account; this time was no different. However, a day later I received and missed a call from their fraud department. I returned the call 20mins later and went through all the checks and the rep said I was "good to go." Lo and behold, they canceled my balance transfer and removed the ability to initiate another direct deposit transfer. After 2 phone calls with 2 reps and 1 purported manager, nothing was offered to be done and I was received was half-hearted apologies. I closed my account. I'm not paying a yearly fee to a bank that would cancel a transaction after 1 missed call, even when the cardholder calls back after 20mins. The lack of communication and the subpar customer service is not what I pay for.

After my wife passes 2 years previous a fraudulent claim was charged during the interim. No possibility to find out when the charge was made or for what. They passed the claim over to a credit claim affecting my 850 credit. They persisted until I finnally paid for a fraudulent charge offerring still no assistance
NEVER DEAL WITH THESE PEOPLE or with banna republic if possible

Worse company ever they hold your funds and they’re customer service is horrible

Barclay issued "authorized user" cards to fraudsters who promptly used them for 3 purchases. I was notified of suspicious activity after the 3rd charge and promptly reported is as fraud, along with 2 others. I was promised a call back within 2 days which would allow time for investigation. I called again the next week and was treated to another telephone marathon that resolved nothing. I wrote to the company. Charges were still on my account. After nearly a month, I called for the 3rd time and was told that because I had requested the bogus users removed, the charges could only be removed after the fake persons were added back on to my account! And I needed to call back for a 4th time for this to be accomplished. I made the call, bringing my phone time up to 7-8 hours and was assured that the matter was resolved. Nope - these idiots had reapplied the charges in duplicate and issued only a single credit against each pair of charges! It's been 6 weeks and the charges are still on my closed account.

Even more outrageous is the fact that Barclay issued cards to an address 2000 plus miles from mine, and allowed people to change my address and profile without ever pinging my phone!

I have an 830 credit score which is pretty much all one would need to know about my character. "Investigation"? What a joke. Even if Barclay offered a handsome credit to open a new account, I'd pass.

I have had a Barclay Mastercard for over 11 Years, and my credit limit had reached $25,000. After my current statement closed this month[January 4th, 2026], Barclay decreased my credit limit to $5,019. This is a dramatic decrease of $19,981($20,000) with NO beforehand notification. Barclay sent me a letter, days later, stating NOT ENOUGH USAGE OF MY CURRENT AVAILABLE CREDIT LIMIT. Luckily, I only use 1% of my TOTAL (6) Credit Cards (Credit Limit). Additionally, Barclay is not my OLDEST (Open) Credit Account. I immediately paid off the balance and CLOSED my Barclay Mastercard--If they did this once, they will do it again, in the future; That's BAD BUSINESS. DO NOT GET A BARCLAY CREDIT CARD!

**** WARNING ***
Stay completely away from this institution “BARCLAY” OLD NAVY” horrible customer service, they decrease your spending, without notice!!! I had a credit limit of 750.00 I charged 240.00 for Christmas gifts - I placed order 12/17- I then today look at my statement - it shows my limit is only 400.00 - so, I call and say what’s going on? They said we reduced your credit limit and sent a letter on 12/19- so, I place said order on 12/17 they decreased my credit limit to 400.00 in which now my credit usage is over 50%!! In which none of my credit cards are near that!! So, I paid off credit card today - I will then cancel once it’s processed!!! DONT APPLY FOR THIS CREDIT CARD OR ANY CREDIT CARD WITH THIS INSTITUTION!!! You will regret it horribly — I would give this company -0.00 if I could!!

EL PEOR SERVICIO, MEJOR HABLÉ CON UN LATINO. AYUDAN MEJOR AL CLIENTE. ESTE BANCO ME HA ROBADO TANTO DINERO. SABEN CÓMO HACER SUS MALDADES A LA CLASE MEDIA CON NECESIDADES. AHORA NO TENGO SUS TARJETAS PERO SI LAS DOS CON DEUDAS. ME COBRAN $50 TODOS LOS MESES DE PAGOS ATRASADOS. LES HABLO QUE COJAN EL DÍA DE PAGO EL 5 DEL MES. PUES DICEN SI, AL FINAL ME PONEN $ 50 TODOS LOS MESES. LAS ORIENTALES NI SABEN HABLAR INGLÉS. NO LA RECOMIENDO

Absolute worse credit card company I’ve ever dealt with in my life. They refuse to take responsibility for fraud and make you jump through hoops for even the most obvious cases of fraud/theft. Like your own app warned me about a fraud purchase and yet this company refuses to take responsibility??? Taking all my money out of my Barclays savings account soon to avoid dealing with this wildly incompetent company

Have an Old Navy credit card through Barclays, less than a week ago I paid off my full balance. Only paid late once in the three, four years that I’ve had it. Original credit line was $800.00 just got a letter in the app today- they decreased my credit limit to $200.00. Seems like they absolutely balance chase- I held a higher balance due to some medical issues- but finally got back on track with everything and boom. Not that I planned on using that much, nor really using the credit card often- but now this will absolutely ding my credit score that I’ve been working so hard to raise.

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.

We've had a Upromise Barclay credit card for years with no complaints until today. Yesterday, we received a fraud alert on the card in my name. My husband has a card but it's under my name. They were to reissue 2 new cards and send them Fed express requiring a signature. My husband's card was thrown on the front porch this afternoon. I tried to talk with a representative who was difficult to understand and hung up on me. She basically said a card was not requested for me eventhough the card is in my name and the envelope was addressed to me. ??? She told me the card would arrive on the 26th and that date could not be changed eventhough I can't be here to sign on the 26th.

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.