I’ve had an unused Barclaycard credit card for ages. They were one of the first credit cards I ever got, so I’ve just kept a card going.
Recently I was tempted back by a decent purchase offer. My income is very sporadic - payment terms of 90 days are not unusual - so 0% credit card deals are handy for cash flow, basically. Nice, but not essential.
OMG, the hassle.
Statements: these are broken in app and on Web. App shows statements for 2018, nothing more recent. Web just shows an error message when you try to download. CS said engineers know about these issues and they can issue a physical statement in 5-7 working days. Wow
3D authentication: this has failed every single time for me. No notification in app, no SMS, nothing. Pretty much renders the card useless online.
Cashback: Barclaycard sends you to some separate website, which has to verify your card. You verify by tapping a notification in the app apparently. No notification! No idea what the offers even are
Chat: Web chat is broken, but they are"working to fix it". App chat only lets me type letter by letter. You’ve got to be joking…
Tap and pay: Barclaycard doesn’t do Google Pay, so I set up their solution instead. The only problem is that it “resets” on the slightest pretext, not even sure why. Once because their terms had changed, but also seemingly randomly. Again, completely useless, as it just fails at the POS.
Card expiry: tried to use the card for some holiday bookings, but it was rejected because it expires by then. Asked for a swifter replacement, but not possible, apparently.
Overall, mightily unimpressed. It feels like being beamed back to the 90s. So much is just broken…