Barclaycard US Reviews 

Worse company ever they hold your funds and they’re customer service is horrible

Barclay issued "authorized user" cards to fraudsters who promptly used them for 3 purchases. I was notified of suspicious activity after the 3rd charge and promptly reported is as fraud, along with 2 others. I was promised a call back within 2 days which would allow time for investigation. I called again the next week and was treated to another telephone marathon that resolved nothing. I wrote to the company. Charges were still on my account. After nearly a month, I called for the 3rd time and was told that because I had requested the bogus users removed, the charges could only be removed after the fake persons were added back on to my account! And I needed to call back for a 4th time for this to be accomplished. I made the call, bringing my phone time up to 7-8 hours and was assured that the matter was resolved. Nope - these idiots had reapplied the charges in duplicate and issued only a single credit against each pair of charges! It's been 6 weeks and the charges are still on my closed account.

Even more outrageous is the fact that Barclay issued cards to an address 2000 plus miles from mine, and allowed people to change my address and profile without ever pinging my phone!

I have an 830 credit score which is pretty much all one would need to know about my character. "Investigation"? What a joke. Even if Barclay offered a handsome credit to open a new account, I'd pass.

I have had a Barclay Mastercard for over 11 Years, and my credit limit had reached $25,000. After my current statement closed this month[January 4th, 2026], Barclay decreased my credit limit to $5,019. This is a dramatic decrease of $19,981($20,000) with NO beforehand notification. Barclay sent me a letter, days later, stating NOT ENOUGH USAGE OF MY CURRENT AVAILABLE CREDIT LIMIT. Luckily, I only use 1% of my TOTAL (6) Credit Cards (Credit Limit). Additionally, Barclay is not my OLDEST (Open) Credit Account. I immediately paid off the balance and CLOSED my Barclay Mastercard--If they did this once, they will do it again, in the future; That's BAD BUSINESS. DO NOT GET A BARCLAY CREDIT CARD!

**** WARNING ***
Stay completely away from this institution “BARCLAY” OLD NAVY” horrible customer service, they decrease your spending, without notice!!! I had a credit limit of 750.00 I charged 240.00 for Christmas gifts - I placed order 12/17- I then today look at my statement - it shows my limit is only 400.00 - so, I call and say what’s going on? They said we reduced your credit limit and sent a letter on 12/19- so, I place said order on 12/17 they decreased my credit limit to 400.00 in which now my credit usage is over 50%!! In which none of my credit cards are near that!! So, I paid off credit card today - I will then cancel once it’s processed!!! DONT APPLY FOR THIS CREDIT CARD OR ANY CREDIT CARD WITH THIS INSTITUTION!!! You will regret it horribly — I would give this company -0.00 if I could!!

Absolute worse credit card company I’ve ever dealt with in my life. They refuse to take responsibility for fraud and make you jump through hoops for even the most obvious cases of fraud/theft. Like your own app warned me about a fraud purchase and yet this company refuses to take responsibility??? Taking all my money out of my Barclays savings account soon to avoid dealing with this wildly incompetent company

Have an Old Navy credit card through Barclays, less than a week ago I paid off my full balance. Only paid late once in the three, four years that I’ve had it. Original credit line was $800.00 just got a letter in the app today- they decreased my credit limit to $200.00. Seems like they absolutely balance chase- I held a higher balance due to some medical issues- but finally got back on track with everything and boom. Not that I planned on using that much, nor really using the credit card often- but now this will absolutely ding my credit score that I’ve been working so hard to raise.

This is thee worst credit card/bank ever. They continuously lower your credit limit despite making regular & more than the minimum monthly payments, & change the interest rates as well all with no knowledge or even talking or notifying you before doing it. Because of decreasing your credit limit & increasing your interest rates, it takes forever to pay the card off. Haven’t used this card since August, (6 months) & the blonde has gone nowhere lthough it’s being paid in 3 times a month. I wish I had read reviews before I got this card. Hopefully these reviews will help someone not to make the mistake of getting this card. I had to give 1 star because you can’t give 0 stars.

We've had a Upromise Barclay credit card for years with no complaints until today. Yesterday, we received a fraud alert on the card in my name. My husband has a card but it's under my name. They were to reissue 2 new cards and send them Fed express requiring a signature. My husband's card was thrown on the front porch this afternoon. I tried to talk with a representative who was difficult to understand and hung up on me. She basically said a card was not requested for me eventhough the card is in my name and the envelope was addressed to me. ??? She told me the card would arrive on the 26th and that date could not be changed eventhough I can't be here to sign on the 26th.

They took over gm credit cards from Marcus. Somewhere my account got lost. Talked to Marcus they told me it was sent over. Barclays is blaming everyone else for the problem. They finally told me it was sent to a collection agency with a 0 balance. Collection agency told me Barclays sent it there. Barclays tells me Marcus did. They won't take responsibility and are just horrible to work with. NEVER DO BUSINESS WITH THEM UNLESS YOU WANT ISSUES

After months of trying to get me to go to paperless billing for my account (Banana Republic, GAP, etc..) I did just that. March 2025 my wife makes a $72 purchase for clothes using my card without me knowing. Fast forward to December 2025 and I get a bill from a debt collector saying I owe $400+ for delinquency to pay off this debt unbeknownst to me. My credit line from my bank also goes on freeze for have a delinquent credit account. After verifying the $72 in charges I go back and don't have a single notification from Barclay US about the amount owed. No April statement, no May, June, July, Aug, Sep, Oct Nov or Dec. No notification of a late fee. Rather waiting 8 months to maximize penalties on a $72 balance to the point I owe $413, have my account suspended, my bank loan suspended and collection agency left to work it out. Customer Service at Barlclay US wouldn't even tell me if/when they had notified me of this outstanding bill either mail, email, phone or other because I was no longer a customer and to deal with collections. Of course it's because they never did notify me. Shame on them and I'll never work with their company or the retailers they represent again.

Beware

As with many other reviews, experienced a DECREASE, WITHOUT ANY KNOWLEDGE, NOR CONSENT, of my credit limit. When speaking with Customer Service (if you can call it that) to find out why, the same as others - 'you don't use your limit'. As a 12+ yr customer, who never missed a payment or was ever late, I asked 'if you say I don't use my limit, tell me what the target $$ value you think I should use'. Anyone want to guess the reply, or lack thereof!!

Then there's the 'it's a soft credit inquiry, it won't affect your credit'. Well, we all know this is 100% untrue.

Spent my accumulated rewards points and fired these CLOWNS.

I was offered a balance transfer and so i applied and asked for $1900 to go to my Kitsap credit union credit card. They sent it to someone at BOA that is not me. After 6 months of repeatedly contacting Barclays many many times. nothing has been done. They continue to say they sent a letter to BOA and that is all we can do. They are horrible to their customers never get a credit card from them they will screw you over and act like its your fault and you need to fix it.

Rude, unhelpful customer service reps. Barely speak English and give you the runaround for even the most basic problems. Would give zero stars if I could.

Worst credit card. If you near the credit limit, They’ll decrease your credit limit every couple of months. Every time they do your credit history gets hit with a low credit score. If you don’t use your credit at all say keep it at 0 balance for may months they’ll intimidate you that they’ll close your account for low or no activity.. wtf. They suck balls. Can’t wait to pay it off and use it to charge $1 every month lol.

Never had a problem until they decided I had too much debt for their liking. Reduced my limit from 10k to 6k with no warning or contact. Pure garbage company that gladly took my high interest payments. Reported me over the limit to reporting agencies for 25 bucks after they reduced it.

Never missed a payment but they decide to keep lowering my credit limit. I pay my bill every month and use the card. Now right before the holiday, they cut it by 2/3rds! WTF!

If I could give it a zero I would it is not worth it. They don’t let you use the points unless you use them with a lot of hoops and obstacles to use them. In my opinion do not get. The points they offer you are not worth the hidden fees and yearly fee. Horrible card. Do not get. I repeat do not get!

Worst customer service department in the world.
I was robbed by a merchant and filed a dispute.barclays closed my case without contacting the merchant.no one assisted me,
I am out $1800 and no help from Barclays.
My name is Joan Williams.
This is the worst credit card merchant,
Stay far from them,

Warning! Do not get any credit card from Barclays. I have never missed the payment or a bill. I had the Athleta Barclay card, which I had used once for an Athleta purchased. It was stolen from my car, after which I immediately notified them And it took months for them to investigate. They then told me I had the card in my possession and was responsible for the charges, which I did not do. In addition I had hundreds of dollars more in fees because of the time it took them to investigate and wrongly accuse me of having made those fraudulent charges. Mind you, the charges were made in an area I had never been to before just avoid the hassle and never get a Barclay card!

I have had a credit card with Barclay for ten years an this is now a terrible credit card. I have excellent credit and always pay in full and on time. As a result they have repeatedly raised my interest rate and lowered my credit limit. When I call to ask why I am told because I don't spend enough and I need to spend more. This is the most irresponsible terrible advice to give. I will never use them again. Very very poor customer service!