Ask a Question - Credit cards

• How is interest charged on my Barclaycard account?
• How long does it take to process a payment made within account services?
• How long does it take to process a payment online?
• How much can I pay online?
• I have a query with my Barclaycard account, how can I find the information I need?
• I have applied for a Barclaycard online, when will I hear whether I have been successful or not?
• I have made an online debit card payment onto my Barclaycard in account services, how can I check that it went through ok?
• I have recently got married how do I change my surname?

How is interest charged on my Barclaycard account?

If full payment is not received every month, interest is charged based on an Average Daily Balance on the account. This is calculated by adding up the outstanding balance on your account each day and dividing by the number of days in the month. The sooner you make a payment to your account, the lower your Average Daily Balance will be and the less interest you will pay.

If you don't pay your bill in full, Barclaycard has a minimum interest charge of £1

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How long does it take to process a payment made within account services?

Your payment is authorised straight away with your debit card issuer. This means you need to have cleared funds in your bank account when you are making the payment online.

You should allow up to two working days for the payment to be received by Barclaycard and to show against your account balance.

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How long does it take to process a payment online?

Your payment is authorised straight away with your debit card issuer. This means you need to have cleared funds in your bank account when you are making the payment online.

You should allow up to two working days for the payment to be received by Barclaycard and to show against your account balance.

This is to allow each card issuer involved to authorise the transaction. This also helps protect against fraud, because it allows for a cross-reference check to take place.

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How much can I pay online?

We are able to accept payments up to the amount of the total outstanding balance of your account, therefore any attempted payments which will result in your account going into credit will not be accepted and you will be advised of this immediately.

I have a query with my Barclaycard account, how can I find the information I need?

You can log-in or register for Account Services to do any of the following:

• View your recent transactions or previous statements
• Apply for a change to your credit limit
• Request a PIN reminder, Barclaycard cheque book or new Barclaycard
• Get in contact with Barclaycard customer services

Alternatively you can call Customer Services on 0844 811 9111*, 24 hours a day.

call charges information

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I have applied for a Barclaycard online, when will I hear whether I have been successful or not?

If you have been accepted you will receive your Barclaycard in the post within approximately 7-14 days.

If you have not been accepted for the Barclaycard you applied for, we may offer you an alternative product. We'll send you the details of the Barclaycard offered, the terms and conditions and a pre-filled application form for you to sign and return to us.  Once we have received the documentation, your Barclaycard will be sent to you in the post within 7 - 14 days.

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I have made an online debit card payment onto my Barclaycard in account services, how can I check that it went through ok?

You are able to view the details of payments you have made online by debit card from the website. Simply click on the option 'Events Log' on the left hand side of the screen and select the month you wish to view.

This will then bring a list of the dates and times you have accessed the secure part of the site and also the details of payments you have made.

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I have recently got married how do I change my surname?

For security reasons please contact Customer Services on 0844 811 9111* to change your personal details. (+ 44 1604 234234 from abroad)

call charges information

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