You may be offered a different credit limit, representative APR, purchase rate or promotional Balance Transfer period to any shown here as it depends on your individual circumstances. Subject to status.
We recently contacted you to explain why Barclaycard Forward could be the right match for you. Before you apply, here's a quick reminder:
*Actual credit limit offered will be based on your individual circumstances.
**Remember your interest rate will move in line with the Bank of England base rate, so your rate might change before we reduce it.
Before you go ahead, make sure you've read the summary box and part one of your application carefully.
This offer is only available for new customers and Barclaycard reserves the right to withdraw this offer at any time. Terms and conditions apply and a Barclaycard is subject to application and status.
Understanding how fees work can help you to manage your account. So make sure you’re up to speed on the types of fees we may charge you.
Your standard and cash interest rates will move up and down in line with the Bank of England Base Rate. To learn more visit barclaycard.co.uk/understanding-interest.
If you make at least your minimum payments on time and stay within your credit limit for the first 12 months of opening your account we'll reduce your interest rates you're charged. If you ever have problems meeting your minimum payments please give us a call. We can then see if there’s any way that we can help and avoid the negative impact this could have on your rating.
Built in text alerts
With Forward you’ll get alerts to let you know when your balance is due. There’s other alerts you can turn on and off at any time, like weekly balance updates.
Help to make sure you pay on time
You can choose a payment date when you’re more likely to have money in the bank and there's a couple of options when it comes to setting up a Direct Debit.
Minimum amount – this helps avoid paying late payment fees but only meets the minimum requirement. It won’t help in the long run unless you’re making additional payments, especially if you continue to use your card. That’s because you could end up paying more in interest than towards the amount you’ve borrowed.
Fixed amount – Decide how much you can afford to pay and set your monthly Direct Debit for that amount. If it falls below the minimum amount, we’ll increase it to ensure you don’t get charged a fee. It’s a good idea to review the fixed amount every few months to make sure it’s meeting your needs.
Full amount – This is the best option if you can afford to do it as it limits the amount of interest you pay.
It’s important to stay within your credit limit
Forward comes with a personalised credit limit based on what you can afford. Going over your credit limit not only means a £12 fee but it’ll also impact your credit rating. You can set up alerts to let you know when your getting near to your credit limit so you can either make a payment or slow down on the spending.
Your new account will be set up with digital statements. These can be found in your online Barclaycard account, which you will need to register for. You can choose to switch to paper statements at any time.
You may be offered a different credit limit, APR, purchase rate or promotional Balance Transfer period to any shown here as it depends on your individual circumstances. If you’d prefer not to accept your alternative offer, you don’t have to go ahead with it.
Remember your interest rate will move in line with the Bank of England base rate, so your rate might change before we reduce it. To learn more visit barclaycard.co.uk/understanding-interest.
The Forward card is suited for people over 18, in full time employment, earning over £3,000 a year and lived at your current address for at least 3 months. You’re much more likely to be accepted if you haven’t been made bankrupt in the last six years and don’t have more than one County Court Judgement.
To make an application you’ll need details about your employment status, address details for the last 2 years and bank account number/sort code.
With our eligibility checker you can see how likely you are to be accepted for a Barclaycard before you apply. Plus, it doesn’t affect your credit rating.
Apply online in three easy steps and, if approved, your Barclaycard could be with you in five working days.
We can provide additional support for all customers, including those who have mental or physical health conditions or learning disabilities. If you would like to talk to someone you can call 0800 056 3486 from 08.00 - 21.00 Monday to Friday and 09.00 - 13.00 on Saturday. Or you can visit any Barclays branch and speak to an adviser.