If my interest rates change, will they impact my existing balance as well as new purchases I make?

Yes, interest rate changes will impact your outstanding balance, as well as both new and previous spend. Any promotional balances or Instalment Plans you have, won't be affected.

Other popular questions about spending and transactions

Balance & money transfers

How do I transfer a balance onto my Barclaycard?

Can I transfer cash to someone else's bank account?

How long will it take for a balance transfer to show on my account?

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General information

I have a Barclaycard VISA, what does Amazon’s decision mean for me?

Can I cancel a card purchase made with my Barclaycard if I change my mind?

What are pending transactions?

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Instalment Plan

What is a suspended Plan?

What is an Instalment Plan and what are the benefits?

Why is my statement split into two balances?

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Purchase offers

How do purchase offers work?

What is a purchase offer?

When will a purchase offer be available?

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Query a transaction

I want to make a claim under section 75 of the Consumer Credit Act, what are my rights?

How do I query a transaction on my account?

I've been expecting a refund from a retailer/service provider/merchant but I haven't received it, what should I do?

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The Bank of England base rate

What is the difference between Representative APR and standard/cash rate per year?

If I close my account will the remaining balance be subject to Bank of England Base Rate changes whilst I pay it off?

What does it mean when you show my simple interest rates with a compound equivalent?

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