Barclays US

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I must agree with the one ⭐️ reviews. I just put in my password 3 days ago. I opened the app and I did the Touch ID. Then it asked for my password again!!!! Really???? Also there are no push notifications when using the card. I've signed up for everything. Sometimes, not always, I'll get an email message a day or so later of a charge. So let me get this straight. You pester me with endless passwords and questions to use the app, but you won't give me the info so I can see if there's actual fraud going on??? My wife buys gas, charges things and nothing ever comes across. I might as well turn off the notification. Other cards are instant. Pretty simple. I'm actively looking for a better card now. I've waited a year for these guys to clear up their nonsense but it's futile. It's easier to just move on. I originally got this card because they said it was a true chip and PIN card outside the US. Not! Every time it spits out a receipt to sign. So outside the US where they don't check the signature, there's no security. You lose the card, they'll be on a spending spree.

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1. If your card expires, then they will turn off the auto payment “automatically”, but will let you use your card. Eventually, if you don’t check your account every two weeks or so, then you will realize that you are being charged late fees and interest. But the bank wouldn’t inform you. 2. The app wouldn’t let you sign in until you have your full card number in front of you. So if you are generally trying to check your balance, you cannot unless you first activate the reissued card. So you will continue to pay late fee (“quietly”) but you wouldn’t know. 3. In the end, they will inform the bureau about your delinquency. You will learn about the delinquency when you have your credit alert turned-on. Luckily, I had. But it badly impacted my credit, right before I was about to apply for home loan. 4. After calling, they admitted the technical issue and waived the interest but dost waive the fee. They didn’t communicate to the bureau either. So now I have to carry the burden of their malpractices and poor app interface until my credit score comes back. 5. If you login, you will realize how poorly designed app this is. A college graduate can make a better app than this!

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This is the only card I’ve had over the past 22 years that randomly lowered my credit line (excellent credit) by $10,000 without a single late payment since owning the card for 2 years. Worst yet is this was done with no warning or notice. None whatsoever. I’ve read some complaints online about this but I figured it was happening with people that were late a lot, had bad credit, bad debt to income ratios, etc. I never thought it would happen to me but they lowered my credit line twice with no notice. The second time it was lowered to just barely above what my balance was on a business trip. Now imagine that you have to book a flight back home, go to pay but it’s declined due to your credit limit being lowered to just a few dollars above your current balance. That’s how shady this company is. If you’ve downloaded the app then you’ve already gotten the card so all I can recommend is keep a very close eye on this companies management of your credit and identity and cancel the card as soon as possible at a time that’s least impactful on your credit. If you don’t, I can confidently say that you’ll wish you had at some point.

In general, I find this to be a pretty good app. My only issue with it, and the reason that I gave it four instead of five stars, is that when you pay your credit card, the current balance is not an option that you can select. So I pay my credit card multiple times per month to avoid debt. However, to pay my current balance, as opposed to the statement balance or the minimum payment, which are the only pre-filled options, I have to remember the balance and type it in in the other amount field. I know that it may seem weird that somebody would pay their balance off before it was due, but if I do this, I’m probably not the only one. All my other credit cards offer a choice to pay the current balance, where the current balance is already filled in. It would be great if you could add this feature, as it would save a lot of time and hassle.

Ok, the app is far from perfect, but if you: a) have a decent limit b) don’t max out your card regularly c) pay on time OR contact them before any missed payments It does everything needed, and a different FICO score than my BoA app which is useful. Since main complaints seem to be about the card.. Idk what people have, but without perfect credit I got a 9.08% APR. Perhaps you have a rewards card if yours is much higher? This alone makes Barclays worthwhile. If you miss payments or even stay maxed, yes, they’ll reduce your limit. If you want idiotic lenders, then deal with higher APRs. There’s a trade off. People seem to think Barclay can’t move your credit as they want - mine has been raised, lowered, and raised at their discretion, and any request for a raise was denied barring my first one. I quickly saw they like to see 50% or less revolving balance. That’s reasonable. If you can’t keep that up, you’re spending yourself into debt you can’t get out of, and they see it coming. They’re reducing their liability by reducing your limit. Use it wisely and it will only ever be raised. With 20% + being normal, idk how anyone can complain. Also, yes there’s a payment turnaround for available funds.. it’s their money after all, I’m borrowing it, seems reasonable unless they have a bigger relationship with me (not my main bank so I don’t expect it).