The approval of your application depends on your financial circumstances and borrowing history, so do the terms you may be offered. The interest rates may differ from those shown.
Being accepted for a card depends on your credit history and how you’ve managed credit in the past. Depending on your individual circumstances we may offer you 29.9% APR variable. Of course if you’re not happy with this alternative you don’t have to go ahead with it.
Staying on top of your account – if you miss payments or go over your credit limit, you will incur additional costs through interest and fee charges; you could also lose any promotional interest rates. So please make sure you’ve read and understood the terms and conditions before you apply.
You could build your credit rating over time as long as you always make your payments on time and stay within your credit limit. However, if you don’t do those things, your credit rating could be harmed.
Your standard and cash interest rates will move up and down in line with the Bank of England Base Rate. Base Rate changes will not apply to your promotional interest rates. To learn more visit barclaycard.co.uk/understanding-interest
It’s important you understand how your Barclaycard works. If you miss payments or go over your credit limit you could incur additional costs through interest and charges. So, please make sure you’ve read and understood the terms and conditions before you apply. Visit our FAQs if you have further questions.