Barclaycard Initial Credit Card

Do you need to strengthen your credit rating?

Choose Barclaycard Initial and we’ll guide you through the whole process. It’s a great card with lots of useful benefits such as fraud monitoring.

Contactless payments

Barclaycard Initial includes contactless payment technology, a new, quick and easy way to pay for purchases of £10 or under - Find out more

What Barclaycard Initial 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
• Online Account Services - manage your account online and enjoy the ease and convenience this brings.
• 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 Initial Credit Card if you:

• Want your first credit card or want to improve your credit rating
• Have a credit rating that needs improvement
• 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 not missed multiple payments on a credit agreement within the last 12 months
• You have been unsuccessful in attempts to obtain a credit card in the past (12 months) OR
• You have no credit history, for example;
  • You have never used credit in the past
  • You are new to the country.
• Don't already have a Barclaycard
• Have had a permanent UK address for 3 months or more
• Have a regular income of more than £10,000 pa
• Are aged 18 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.

Interest rates	Introductory rates	Monthly interest rate	Annual interest rate
Purchases	N/a	2.075%	27.9%
Cash withdrawals	N/a	2.075%	27.9%
Balance transfers	N/a	2.075%	27.9%

Monthly payment	Minimum payment each month	£50 each month	£100 each month
How much interest will be charged in the first year?	£248.23	£217.78	£156.61
How much interest will be charged in the second year?	£236.72	£112.74	£1.14
How long would it take to clear the balance?	39 years 3 months	2 years 5 months	1 year 2 months

The following assumptions have been made:

• You are charged the standard 27.9%. 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 1^st November 2009 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.