Barclays Chat

Can’t see any reference to this on their website?

Only to be over 18.

I went through the eligibility check with a 2006 DOB for the Avios and it didn’t stop me anywhere.

I found it at the very bottom. Apologies.

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I’ve cancelled it basically just to start the timer incase I do want to open a card with them, every month I delay cancelling delays the start of that 6 month timer. Shouldn’t have any big credit checks in the next 12 months so should be all good!

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Barclays are very picky with letting you switch products. It all depends on their internal scoring and other criteria and even then they might change their mind any time. I was able to change cards almost every other month for a good while, until they decided that they don’t want me to do that anymore. No changes to my credit file in the meantime.

So I closed it and went with Yonder (big mistake) and now NatWest.

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Yep. You had me second guessing. It’s at the bottom.

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Do you have the “Change to a different card” option in the app? I have the option but it doesn’t give me any cards to pick from after clicking it

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I’m on Forward and got that and also no cards.

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Yeah exactly this, I rang them as well and they just said there was nothing they could do

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I never worked at Barclays but I reckon they’ll refresh the risk score at some random interval maybe. Or just never at all

Their risk works for their appetite so I doubt it.

Managed 330 years this way :call_me_hand:t3:

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I book through LNER atm as I have a 5% cashback offer running through Barclaycard Cashback Rewards. Tots up nicely.

I just pick the next available train in the app as I select the Off Peak Day Return ticket in the end anyway, so irrelevant which train I select in the app.

Obviously, does not work if the ticket is for that specific train only, but then I have never booked a specific timed train within 15 minutes of departure.

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Oh, this is my way:

  1. Leave work
  2. Walk to train station
  3. Fire up the app whilst I’m walking through the automatic doors and buy an Advance Single in the time it takes to get to the barrier
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Nah, banks always re-evaluate customers behavioural scoring. I’ve been working lending lines for the past few months. Always shifts both with the bank and their customer’s behaviour

That’s risk though, based on internal and external factors.

Can’t even think of a reason why a 21 year age requirement is a thing, unless they’ve had poor experience with the 18-21 bracket.

Anyone know if it’s always been 21?

Not sure if it’s always been like that, but Santander is the same

Anybody had any issues with Barclaycard not collecting direct debits? Payment was due by today and haven’t even had the “A Quick Look at your Direct Debit” email that they always send a few days before.

DD is still showing as active in my HSBC app and in the Barclaycard app.

I’ve paid it manually (it was small amount this month) just in case they slap me with a late payment fee.

No issues at all. Mine was taken on time on Friday 12 July.

Have there been other credits to the card that would have covered the balance?

If a direct debit was set up and had been taken before I don’t think they’d have been able to charge a late fee if they didn’t collect, not one that would stick anyway.

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Yep, that’s it! I’d completely forgotten about that. Now that I remember, the minimum payment due had changed to £0.00 a couple of days ago.

Not to worry - I’ve prepaid half of the next statement’s balance :slight_smile:

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Tried to open an account to get the switch incentive.

They can’t verify my identity and need to book a branch appointment. No thanks, closest branch is an hours drive away. :smiley:

App deleted.

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Loads of people on MSE seem to be having this problem too. Feel lucky they let me in just with a driving licence!

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