Barclaycard US Reviews 

Barclay credit card is one and only worst credit card I ever have. Having financial problem? There's no payment plan to help. Requested twice! In Jan and June. No payment plan that can help during this financial hardship. With high interest rate continue to build up. Even if you can afford a few hundred to pay each month. They refused to
take it. Never have problem like this with any other credit card company. Need to stay away from Barclay if you can. It will only buried you alive. If I could. I wouldn't even want to give it 1 star. It deserve no star.

We have had Mastercards for about 15 years. We live overseas, and that was one of the reasons for the initial application. In January, due to a suspicious charge (for flight tickets), the card was blocked. We switched our phone number because Skype went out of business. We are unable to unblock our card because we don't have the original number. It's not been 4 months, 3 faxes, and 3 letters of the required identity documents, with still no resolution. 1800.00 Has been credited to the account and we don't have access. It's such poor service after 15 phone calls.

Zero customer service help, twice requested to reverse charges with no help. Very hard to communicate with customer service. Definitely vendor friendly.

Customer services lies to customer. When you have an issue they do not fix the situation they just leave it for the customer to deal with. Their rewards program is trash. Would not recommend. Ive been dealing with an issue for 6 months and there is no resolution other than I have to deal with it

I DIDN'T EVEN SIGN UP FOR THIS CARD. I HAD A GM CARD AND THEY SWITCH ME TO THIS CRAP AND THEN CUT MY CREDIT FROM 3000 TO 250. I'LL PUT IT ON THE SHELF WITH A ZERO BALACE AND USE THEM FOR POSITIVE CREDIT. USE THEM NOT THE CARD!!! AVOID AT ALL COST.

$500 credit limit and they still ding you for a $30 payment they did not billed me.

I carry $500 in my pocket and sure don’t need this idiots.

I had a Barclays Gold Credit Card for about 10 years. The customer service initially was excellent. They offered many perks such as nice yearly gifts, entrance into premiere airport lounges, and reasonably rated limo service to and from the airport. Within the last year or so, I noticed customer service declining, fraud charges on my card not investigated thoroughly. Finally, I became so frustrated that I just closed my account. With the yearly membership fee being what it is, no one should be treated like that. And, with these fraudulent charges, it screams inside job to me.

By far the absolute worst credit card and decision I ever made in opening a GM Rewards card!!!

Do not and I mean do not open a GM Rewards card as the Barclays Credit Card is one of the worst things you could ever do. I have great credit and they provided me with an excellent credit line!

But within 3 days of starting to use my Credit Card I was flagged and became mandated to prove my identity! The small rewards to put towards a GM brand car are NOT worth the pain of opening a Barclays Account!!!

Stay far far far way for this horrible company! Do not do business in the US and issue credit cards if you are going to put consumers through the agony that I have gone through!

Do not get involved with Barclays US credit card if you have a choice. Originally, I ended up with Barclays as my original card was sold to Barclays.
I just got off the phone with a poor fellow about my balance, being charged a late fee even though my payment WAS NOT LATE, Having my Credit limit reduced suddenly and I couldn't find AY documentation on this - not on website. Mistakes on how much I had paid so it looked like I had made a double payment. (I didn't). Completely unethical and unacceptable customer experience.

Barclay deserves -100 stars. Barclay needs to learn. “ MONEY GOES WHERE IT’S TREATED BEST.” I’ve had the card for 13 years. I barely use it after they dropped the ball with $11K in merchant fraud back in 2020. It’s a low income card for people with bad credit. Certainly, not the caliber of card or company. That someone with 800+ FICO. Would bother with.

UPDATE: Found a place to send the "FAX" and, after 2 weeks and $20 expended, the Pony Express has not delivered the documents. Waist of time and money!
This is the worst customer service I've seen in my life. I made a chargeback because the merchant never refunded my money after receiving a return, showed the proof of delivery and emails confirming receipt and Barclays resolution was against me because they showed a picture of the package in front of a door. I never said I did not receive it, my claim is that I returned it and they never credited my account. To continue with the claim and get my money back, Barclays asked me to send a "FAX" to a number that did not work. I've been working with this for 3 days now and, at this point, I think I will better to lose the money than keep fighting with the powerful corporations.

I took out a Barclays RCI Mastercard because of the 6 months no interest promotion. Just to be charged interest on the first 2 bills totaling $477.56. The 1st bills interest was $279.56 and the 2nd months interest was $198. I called customer service several times about it to be treated rudely and denied the interest fee reversal. I insisted my account be reviewed by a supervisor. Finally after speaking to several supervisors the 1st months interest was reversed. I paid the card off the next week in full which was over $11k just because I was tired of calling them. The next bill cycled days later and they charged me $198 interest fee on a card that had a zero balance! I called them again, argued with a customer service rep before asking to speak with a supervisor again. Again supervisor agreed I should not have been charged interest on a card with no balance. They vowed to reverse interest charges again. This card has been a headache from the time I opened the account. I spend numerous hours on the phone with customer service reps trying to get the errors on my bill corrected. Then I have to follow up again next month just to make sure it does not happen again. Since I have a zero balance I think I will close this account. Too many problems with billing errors, charging me interest on 6 months no interest account, and incompetent customer service reps.

Barclays Bank is the worst ever.. they caused me to lose 600.00 because they can’t understand then or they are just plain stupid
I am cancelling my account with them
I have never had worst customer service
Do not back with them
Terrible terrible

3rd time trying to make a payment by phone. Completely impossible without computer or text. Terrible representative. Ann 5/7/2026 @ 645 PM horrible service. Probably AI. SO SAD ELDERLY CAN NOT MAKE A SIMPLE PAYMENT! CLOSING ACCOUNTANT DO TO POOR CUSTOMER SERVICE. 😢

tried to provide a credit document from hotel for $183 and barclays refuses to process it. very black & white case. slam dunk.

I should've looked at these reviews before applying for this credit card. Their customer service is useless! Avoid if possible.

I spent over 100K last year with Barclays Card. I have a simple issue with a dispute of $500.00. The Customer Service Rep refused to be of any help and refused to allow me to speak with anyone else, except that someone will call you within 72 hours. The problem is that I bought a Dryer that was meant to be for overseas but the retailer deceived me in selling me an appliance that is not suited for what was asked for. They have the appliance in their possession but want to give me Store credit, when this was reported to them within two hours. Barclays did not call me for evidence but just closed the case. Very poor customer service

Trying to work with these people over the phone is more than just frustrating. I found myself getting angry. My solution was to cut the card and throw it away.

If I could give Barclays no stars I would! This is by far the WORST credit card company I've had the displeasure of dealing with. Every 6 months they lower your credit limit and make you consent to credit pull to have it reinstated to the original credit limit. They also slam the primary cardholder's card with unauthorized FRAUDULENT charges disputed by the authorized user for a profit instead of rejecting it. I do NOT recommend getting this card and I'm a customer with excellent credit. I will be closing this ratchet account!