Your Barclaycard Account
Barclaycard Gold Credit Card
- 0% interest on balance transfers until April 2011 (2.5% handling fee applies)
- A reward programme like no other, with Barclaycard Freedom automatically earn while you shop at participating retailers.
- With contactless payment technology, a new quick and easy way to pay for purchases of £15 or under.
- 19.9% APRtypical (variable)
Choose this card and we'll give you 0% interest on balance transfers until April 2011 with a 2.5% handling fee.
By managing your Barclaycard Gold and other accounts responsibly (for example by paying your mobile phone and utility bills on time), you could help strengthen your Credit Rating. For more information on how to improve your credit rating click here.
Barclaycard Freedom
With Barclaycard Freedom - you automatically earn Reward Money and can redeem it on a future purchase at selected retailers within the programme.
Please see important information and terms and conditions
Contactless payments
Barclaycard Gold includes contactless payment technology, a new, quick and easy way to pay for purchases of £15 or under - Find out more
What Barclaycard Gold includes:
- Get into whatever you’re into – Barclaycard Unwind puts some of the best live music at your fingertips. You’ll have easy access to some of the hottest tickets as well as live sessions, news, reviews and more.
- Identity Protection Service - advice about protecting yourself from identity theft
- Safer shopping with Fraud Monitoring including Chip and PIN and monitoring your account for unusual spending
- Purchase Delivery Protection peace of mind against loss or damage to goods ordered and delivered from UK suppliers online, over the phone using your Barclaycard (second-hand goods and services excluded)
- Worldwide Assistance - emergency help when travelling abroad
- Travel Service- pay with your Barclaycard and you'll get great deals on thousands of destinations worldwide
- Mybarclaycard - register and manage your account online, switch to paperless statements, set-up direct debits, track your spending and much more.
- Emergency Card Replacement and Cash Advance - replacement card and cash advances if your Barclaycard goes missing
- Free Text Alert Service - opt in for text alerts five days before your payment is due
- 24 hour Customer Service Assistance
Important information
Barclaycard reserves the right to withdraw this offer at any time.
Terms and Conditions apply. Barclaycard is subject to application and status.
This offer is only available to new customers.
You will be required to use a PIN with this credit card in order to pay for goods and services over the counter in shops and other outlets.
If you have a disability that may affect how you communicate with us or which would make using a PIN difficult, please contact us on 0845 7660 758 before completing the application.
The following is a guide to call charges from landlines within the UK: Call charges info.
Think about our Gold Credit Card if you:
- Need to strengthen your credit rating and want some time out from paying interest on your balance transfer
- Have an average credit rating
- You have no history of bankruptcy
- You have not had any County Court Judgments (CCJs) or Individual Voluntary Arrangements (IVAs) registered against you in the past 5 years
- You have a limited history of managing credit commitments well i.e. have existing credit cards, loans, overdraft or mortgage, but have no more than 2 credit commitments
- Your record of paying credit commitments on time is less than 4 years old
- You have not missed ANY payments on a credit card or loan in the last 12 months
- Don't already have a Barclaycard
- Have had a permanent UK address for 3 months or more
- Have a regular income of more than £17,500 pa
- Excluding a mortgage, your debt on credit cards or store cards is less than 40% of your income
- Are aged 21 or over
It's good to know the plain facts about this Barclaycard. This Summary Box gives you clear information about the key features of the card and does not replace any terms and conditions.
APR
Typical 19.9% APR (variable)
| Interest rates | Introductory rates | Monthly interest rate | Annual interest rate |
|---|---|---|---|
| Purchases | N/a | 1.527% | 19.9% |
| Cash withdrawals | N/a | 2.075% | 27.9% |
| Balance transfers | 0% until April 2011 with a 2.5% fee on transfers made within 60 days of account opening on amounts up to £5,000 | 1.527% | 19.9% |
Interest free period
Up to 56 days interest free from the date of the transaction on new purchases if you pay your statement balance in full and on time each month.
No interest free period on balance transfers, cash withdrawals or Barclaycard cheques (subject to any interest free promotional offer).
Interest charging information
If interest is payable, it will be charged from the date the transaction is debited to your account until it is paid in full.
As interest is charged until the date of full repayment, this means that you may receive a further interest charge the following month even though you have paid your current statement balance in full.
Interest is charged on your average daily balance. By repaying more of your balance, or by making your repayments earlier, you will pay less interest.
Allocation of payments
Payments you make will reduce your balance in the following order:
- Default Charges
- Promotional balance transfers
- Promotional purchases
- Purchases, balance transfers and other charges
- Cash withdrawals
Please see the Barclaycard conditions for further details.
Minimum repayment
2.25% or £5, whichever is greater. If you only make the minimum payment it will take longer and cost you more to clear your balance.
Credit limit
Minimum credit limit : £250
Maximum credit limit: Subject to status
Fees
No annual fee
Charges
- Cash withdrawals: 2.5% (min. £2.50)
- Balance transfers and cheques: 2.5% unless we tell you otherwise
- Overseas transactions: 2.75%
- Copies of statements: £3.00
Default charges
- Late payment: £12
- Over credit limit: £12
- Returned payment: £12
You can avoid additional charges. Please stay within your credit limit and ensure that your payments are received on time.
Pay less interest by repaying more each month
The examples below show how long it would take you to repay a purchase of £1,000 made with your Barclaycard:
| Monthly payment | Minimum payment each month | £50 each month | £100 each month |
|---|---|---|---|
| How much interest will be charged in the first year? | £179.43 | £154.92 | £110.64 |
| How much interest will be charged in the second year? | £164.95 | £67.28 | £1 |
| How long would it take to clear the balance? | 23 years 12 months | 2 years 3 months | 1 year 2 months |
The following assumptions have been made:
- You are charged the standard 19.9%. However, the examples take account of any introductory promotional purchase rate.
- When you make the purchase you do not exceed your credit limit.
- Calculation excludes Payment Protection Insurance.
- £1,000 purchase is debited to your account on 1st March 2010 and no further transaction made.
- You make a payment each month on the payment due date. Your mininum payment is 2.25% or £5, whichever is greater.
Cancellation rights
You have a right to cancel this Agreement. This right will expire 14 calendar days after we post the card to you. Unless you cancel within this period you will be bound by this Agreement. If you wish to cancel this Agreement, please send written notice to Barclaycard, Department BCR, Northampton NN4 7SG. If you cancel you will still need to repay any money already lent to you. Unless you repay this money in full within a month of cancellation on all rights, you may be required to pay interest or other charges under the terms of this Agreement.
Barclaycard is a trading name of Barclays Bank PLC. Barclays Bank PLC is authorised and regulated by the Financial Services Authority.
Registered in England No: 1026167. Registered Office: 1 Churchill Place, London E14 5HP
Gold balance transfer terms and conditions
Interest free transfers until April 2011 on credit card balances...if that's tempted you to go Gold, here's the small print:
- You can transfer between £250 and £5,000 or 90% of your credit limit, whichever is lower, depending on the available credit limit on your account.
- We reserve the right to refuse a credit card balance transfer or to limit the amount you can transfer. If we do allow you to transfer an amount over your balance transfer limit, this will be debited to your account and charged at 6.9% interest per annum untill paid in full. We will not charge a handling fee.
- A 2.5% handling fee will apply to each 0% interest balance transfer you make.
- We can't accept transfers from cards or loans issued by companies within the Barclays Group.
- If you choose to close your account with other lenders, please let them know in writing.
- You should continue to make payments to your other lenders until the balance has been confirmed.
- Your monthly payments will reduce your promotional balances first (longest duration first). so you will be charged interest (where it applies) on other balance and new spending whilst your promotional balances are paid off. Obviously the more you pay back, the quicker your balances will be paid off.
- If you do not make at least the minimum payment by the payment due date or if you exceed your credit limit at any time we will remove the promotional rate and revert to charging at your standard purchase interest rate (typical rate 19.9% APR variable).
- This credit card balance transfer offer is only available when you apply online using this application form.
- To qualify for this balance transfer offer you must transfer any balance within 60 days of opening your Barclaycard account. Please see summary box and Barclaycard conditions about allocation of payments.
As well as new to credit cards, Barclaycard offers great deals on balance transfers, cash back and more.
For more information on the Barclaycard range of credit cardsor to apply for a credit card,0% balance transfer credit card,apply for credit card online,balance transfer,cashback credit card.Are you looking for a card that offers a credit balance transfer?Then fill out our credit card applicationform covering our entire credit card range.Will also offer: Credit cards low APR,interest free credit card,online credit card,Platinum credit card,UK credit card range,UK low rate credit card.Personal Loans.Business Credit Card.Insurance
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