Barclaycard Better Together – frequently asked questions
Q1. I've never had a credit card before, how do they work?
A credit card lets you pay for purchases using credit, rather than cash. Some credit cards can also be used to transfer existing credit card balances and for withdrawing cash (also known as cash advance) from a cash machine (ATM).
Just remember that every card comes with certain conditions you'll need to meet and that you'll be liable for all spending on the card - even if you've got additional cardholders. Your credit card will come with a credit limit, which is the total amount you can spend using your credit card. You should always leave some credit available to make sure that transactions or interest charges don't push you over your agreed limit, which will incur charges.
All of your transactions will be listed on your statement, along with the minimum amount you need to pay each month and the date this payment (if not the full balance) needs to be received. So you never miss a payment, you can set up a Direct Debit payment so you can pay at least the minimum amount on time each month. By paying your balance off every month, you could enjoy up to 56 days of interest-free credit on purchases you make.
If you don't pay off your full balance in a month, you'll be charged interest on the amount of credit you've spent but not repaid. Check your credit card agreement to make sure you know how much you'll be charged.
You'll be able to use your credit card worldwide – as they're accepted at millions of shops and establishments both at home and abroad. There's just a simple one-off non-Sterling transaction fee for any purchases you make abroad.
Q2. I already have a Barclays current/ Cash Card account - can I apply for a Barclaycard online?
You can apply for some Barclaycard products online, however if you don't have any credit history, then a Barclaycard Initial credit card with a Barclays current or Cash Card account may be ideal for you. For this product you'll need to apply in-branch and speak to one of our advisors, asking for Better Together.
Q3. I get paid in cash or by cheque - can I have a Barclaycard?
For the Better Together offer, we only accept salary payments made via BACS, Bill Payment, Standing Orders or Faster Payments from a Public or Private Limited Company. If you're self-employed, payments from your business account to your personal account are fine as long as they are by BACS or Faster Payments. As part of our commitment to responsible lending, we can't accept customers who are only on benefits, allowances, student loans, or pension payments.
Q4. I have another current account - can I arrange for my monthly Direct Debit to my Barclaycard to come from there instead of my Barclays account?
Initially, to be eligible for a Barclaycard Initial credit card you'll need to set up a Direct Debit from your Barclays current or Cash Card account. After you receive your Barclaycard, you can change your payment details either through Barclaycard online servicing or by giving us a call.
Q5. If I cancel my Direct Debit will my card be cancelled?
If your Direct Debit is cancelled before you've received your Barclaycard, your application will be cancelled automatically. This is because having this Direct Debit is an important condition for your application.
Q6. If I cancel my Barclaycard, will my Barclays account also be cancelled?
Don't worry - if you choose not to go ahead with a Barclaycard, it won't affect your Barclays current or Cash Card account.
Q7. When will my Barclaycard and PIN arrive?
We'll send your Barclaycard and PIN to you as soon as we've confirmed that your first salary payment is in your Barclays current/Cash Card account. This should take around 5-10 days to arrive by post but might take a couple of days longer if additional checks are needed. Your card and PIN will arrive separately for security reasons.
Q8. I've filled out the salary payment form. Where do I send it?
When you've filled out your salary form, give it to your employer as soon as possible. They'll then be able to arrange for your salary to be paid into your Barclays account.
Q9. If I update my details with Barclays (e.g. if I move house) before I receive my Barclaycard, do I need to tell Barclaycard as well?
Yes, you'll need to let Barclaycard know as soon as possible. If you don't have your Barclaycard yet, give us a call on 0800 151 0900 or 0333 200 9090 and please also let Barclays know on 0345 734 5345 - if you don't, your application might be cancelled. If you've already got your Barclaycard, please call 0800 151 0900 or 0333 200 9090. call charge information
Q10. I've received a letter reminding me to pay my salary in to my Barclays account, but I did this several weeks ago. What do I do?
Please give us a call on 0800 731 0200 and we'll be able to look into this for you and give you more information.
Q11. What happens if I don't pay my Barclaycard bill?
If you don't pay your Barclaycard bill, you'll incur a late payment fee and won't be able to use your card until your account is up to date and your credit history could also be affected. As part of the Barclays group, we're able to recover any outstanding payments from your Barclays current/Cash Card account if we need to.
For helpful reminders of when your monthly payment is due by text and email, just sign up for our free alerts service. There’s also handy tools to help you manage your Barclaycard account, our online servicing tool. And if you ever experience any difficulties paying your account please let us know by calling us on 0800 151 0900 or 0333 200 9090.
Q12. I tried applying online and I was declined. Can I apply in branch instead?
Yes, you can apply in any Barclays branch as long as you are 'new to credit', which means you don't have any previous credit history or County Court Judgements.
Not sure if you're new to credit?
You’ll be considered ‘new to credit’ as long as you don't have any open credit or store cards, or a mortgage. And if you have phone, TV or white goods rental – you'll still be able to apply.
Q13. Am I guaranteed to be accepted for a credit card with Better Together?
As long as you pass our standard credit and security checks, your salary is paid into your Barclays account and you set up a Direct Debit for at least the minimum payment each month from your account, then there should be no reason why you won't be accepted for a credit card.
You can use the free eligibility checker to see how likely you are to be accepted for a Barclaycard - it only takes a few minutes and as it only leaves a search 'footprint' on your credit file, it won't affect your ability to get credit at a later date.
We'll complete your application once the first salary payment is made to your account. If you've got any questions about the application process, please just get in touch.