Managing your credit card

Managing your credit account online allows you to keep track of your finances easily.

As a convenient, flexible way to make payments, credit cards are hard to beat. We do our best to help you stay in control, with convenient ways to manage your account and support you when finances are a little tight.


Ways to make payments

online icon

mybarclaycard online services

Once your Barclaycard(s) arrives, you can register with mybarclaycard to make payments online, get instant decisions when you request a change to your credit limit and review your spending.

phone icon

Over the phone

Just call your bank and give them your roll number on your Barclaycard(s), as well as the details below :

Our sort code: 20-04-15
Our account number: 38290008

Direct Debit

By Direct Debit

This is the easiest way to pay. Once you’ve set the amount and date that payments leave your account, they’re made automatically so you don’t have to worry about missing one.

To set up a Direct Debit, go to mybarclaycard  or call us on:

0800 151 0900 or 0333 200 9090

(Call charge information)


mail icon

By post

If you’re paying by cheque or postal order, make sure you write your postcode and roll number(s) of your Barclaycard(s) on the back. Then post it, along with a completed Bank Giro slip, at least 4 working days before it’s due.

Post your payment to:
Barclaycard
Dept PP
Bolton
BL11 1XX

face to face

At any bank or post office

You can pay by cheque, making sure your postcode and roll number(s) on your Barclaycard(s) are written on the back.

Understanding your credit card(s) costs

To help you get the most out of your credit card(s), here’s a brief explanation of some of the costs involved. If you’re interested in a particular card(s), you’ll find more specific charges in its terms and conditions or card(s) summary.

How your interest is calculated

How your interest is calculated

If you pay off your balance when it’s due every month, you won’t have to pay any interest whatsoever. However if you need more flexibility and don’t pay your balance in full, the minimum interest you would pay is £1.

Interest we charge is based on the Average Daily Balance of your account, which is the total of your outstanding balances every day, divided by the number of days that month. So the sooner you make a payment to your account, the less interest there is to pay.
 

 

Balance transfers

Balance transfers

If you’re currently paying interest on credit card balances, you could save money by transferring them to one of our interest-free balance transfer cards. Even with a transfer fee to pay, this may work out cheaper in the long run.

Just be aware that you’re likely to be charged interest at your standard APR if you make new transactions with a balance transfer credit card.
 

 

Cash transactions

Cash transactions

Your Barclaycard can be used to withdraw cash from over 24 million cash machines around the world. For sterling withdrawals a cash fee is charged or for non-sterling withdrawals a transaction fee is charged to the amount you withdraw from a cash machine or bank. Please refer to either your Terms and conditions or the reverse of your statement for further details on the fees charged. You can also find these on mybarclaycard.co.uk 'ask us a question' section

Since interest rates tend to be higher for cash withdrawals than regular purchases, it’s costly to use your credit card for cash on a regular basis.
 

 

Using your card abroad

Using your card abroad

If you withdraw cash on your Barclaycard while abroad you will only be charged a single transaction fee and receive up to 56 days interest free, if you pay your balance in full and by the due date shown on your statement each month.

Copies of statements or vouchers

Copies of statements or vouchers

We charge just £2 if you need a duplicate of your statement and £5 for a copy of a sales voucher.

Late payments

Late payments

If your payment’s late or you spend more than your credit limit, there may be an extra charge applied.

One way to avoid late payments is with Direct Debit when the minimum payment, or more of your balance, is paid automatically every month.

Just bear in mind that it takes much longer to clear your balance and costs more in interest charges if you make minimum payments.

 

If you’re in financial difficulty

When you’re facing missed payments, it may be tempting to just wait and see if your finances improve or consider a debt management company. However, both these options may worsen your situation and could damage your credit rating.

In the event that your life takes an unexpected turn that affects your finances, please call us on 0800 161 5246 so that we can help.